Rating Summary

Detailed rating

Competitiveness of APR
Quality of Customer Service
Reward Scheme

1-5 of 5 reviews Show most helpful reviews first Newest first


Community Level 6whitbybunny


More and More Stupid

AdvantagesCheaper interest and credit protection rates than most

DisadvantagesAnother temptation to buy, the company try to get your other business

"...budget ie: credit needed now! Marks and Spencers seemed the best option. I still have the suits and wear them now so I can’t complain about the clothes. So although I know all of the scare stories about storecards and the interest rates I still applied for one because I had no other choice. ** What was the application process like? ** I applied for my card in Marks & Spencers Bournemouth on the 22nd March. Knowing what I wanted (credit ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 4redpen


And more...

AdvantagesEasy to use and 10% off days are fab!

DisadvantagesConsidered to be outdated and restrictive, useless inless a regular

"...years regarding performance and profits Marks and Spencer now appears to be in recovery. The charge cardís benefits include: Although I have never used the interest on the account, because I make a point of paying off my balance every month (I might be the only one who finds this strange but I define a charge card as something you pay off every month) ÖAnyhow the current APR is 18.9% which is very competitive as other store cardís interest rates ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 7Connoisseu...


Marks and Spencers Store card fading value

Advantagesused to be only credit card accepted in store (NOT anymore!!), get free M&S magazine

Disadvantageswill receive endless mail from M&S financial services

"The M&S store credit card used to be unique...but not anymore! Until March last year (2000) M&S were the only department store to REFUSE to accept any other credit card except their very own M&S credit card. So what is special if anything; about their very own credit card, well not a lot, there were NO real bonuses or loyalty discounts for members* (such as Debenhams Cardholders). APR was a standard 21.2%. Oh, hang on before I put down this ..." Read review

Ciao members have rated this review on average: very helpful

Community Level 2ICerva


A measure of quality

AdvantagesBeing a difficult card to obtain, it carries a little prestige.

DisadvantagesLike all store cards it is expensive and useless elsewhere.

"The Marks & Spencer store card may not be the best of cards to hold. In fact it doesnít even come close. I would always advise against the use of any store card as they all come with very high interest rates and the Marks & Spencer store card is no exception. There used to be a time when the credit card user was forced to try and obtain this card if they wanted to shop using credit at Marks & Spencer, but all that has now changed since they now accept ..." Read review

Ciao members have rated this review on average: helpful

Community Level 4willsmj


Sky high



"...more expensive than you realise. Marks and Spencer credit card is one of these. The interest rates offered on the M&S card are very high. Why anyone would want to use this card I don't know. There are not even any perks for using it except for a free £1 magazine around four times a year. Shop around for interest rates on cards. Steer clear of this one! ..." Read review

Ciao members have rated this review on average: helpful

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