Marks & Spencer | Shopping Plus credit card

APR: 18.9% Representative
Intro purchase rate: 0% for 25 months
Purchase rate: 18.9%
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Marks & Spencer | Shopping Plus credit card customer reviews

3.5 out of 5 from 38 reviews

Never have an M&S Credit Card

22:11 02-03-2018

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Our experience dealing with the closure of an M&S credit card account has been appalling. We have never dealt with such an unprofessional, inefficient and uncaring Bank. Finding a contact Tel number is difficult and the addresses are in various parts of the country. When you do get hold of someone it's a Call Centre and they appear to be unsure how to sort out your query. It took us a great deal of time and exhausted phone calls to sort out something that should have been so easy. We have never had a written apology. It caused a great deal of stress. A warning to those thinking of opening an account with them...DON'T . Please note that this has No Reflection on M&S Retail shops.


M & S are a Joy To Work With

15:52 07-02-2018

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Recently applied for a credit card with M&S. Their correspondence was up quick and clear. I was constantly kept up to date with the progress of my application and prompted to set up my online account which is easy to use and has a nice clean look


0% purchase credit card for 25 months

23:29 29-01-2018

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I was in a strange position of being unemployed yet having a decent income through alimony. Most places I applied for online, rejected my application because "computer says no!". They were the only ones who bothered contacting me to confirm my source of income and approved the application. And the product is brilliant :)



09:15 18-12-2017

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I applied for a M&S credit card , very quick acceptance letter . I then received a pin number , card to arrive shortly . Another letter with another pin number arrived 2 days later , still no card . Spoke on telephone , card would arrive shortly , 2 weeks later still no card I have given up.


Great customer service

19:02 19-11-2017

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Easy ways to pay, good rates, earn points with any purchase. They don' t automatically increase your credit allowance, but raised mine without problem after checking my credit rating after contacting them.

Jane Wells

Good online services

21:16 29-06-2017

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I have so far enjoyed banking with M&S

cassie johnson

Excellent product

13:42 29-06-2017

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M&s credit card is easy to use and you get points when you use it and vouchers to spend in store

Julie Pearson

Credit Card

09:24 23-06-2017

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Got a credit card with M&S, the offer was great 25 months free interest, also to add the customer service is excellent each time I rang.

marcelina dobrzanska

Best card

23:09 10-06-2017

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I have had this card for a few years now and picked it because it had a zero interest rate on purchases of 15 months which was really useful for purchases like a tv.

Yvonne Keyes

good product horrid website

06:01 31-05-2017

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The website and the portal to administer the credit card is lacking. There is no way to actually administer the account as all the features end up firing off a contact form. So changing the direct debit amount is pointlessly difficult.

James Maclean

Our review of Marks & Spencer | Shopping Plus credit card

Our review by Chris
Written by: Chris
Consumer sentiment


Marks and Spencer is a respected British institution and their M&S Bank launched in 2012. The bank was based on M&S Money, which itself had a 30 year history. There are branches in the main Marks and Spencer stores, which are open whenever the stores are open. This means that personal customer service is very easy to reach. M&S Bank offers a number of different financial products from loans to current accounts, but this review is about their Shopping Plus credit card.

The Shopping Plus credit card has an introductory purchase rate of 0% for 25 months.That means you won’t pay any interest on your spending for over two years. In a crowded market, M&S Bank also offers some great benefits to make their card an interesting option. You’ll have expected the standard perk of earning points when you shop, which can be accrued in all shops, not just M&S. If you’re looking to transfer across an existing credit card balance, there is also 0% on balance transfers for 90 days after opening the account. However, you’ll be charged a fee to transfer the money, so it’s worth working out what this will cost you before applying. M&S Bank also offers another credit card, the Transfer Plus, which may be better deal if you’re looking to transfer a balance. With the Shopping Plus card, you can also save on M&S travel money and earn a bonus points voucher for shopping at the store.

People are generally positive about the Shopping Plus credit card, with a review score of 3.5/5 at the time of writing. However, some customers have had problems claiming the account rewards and making changes to their account online and over the phone. If you’re taking out this card for the 0% introductory offer, be sure to make at least the minimum payment each month. If not, it will not only impact your credit file but the introductory period will also come to an end. You should consider paying off the full balance before the end of the introductory period, to avoid being charged interest.

Overall Verdict: Marks and Spencer are a reliable brand and their customer service seems to be making a positive impression on consumers. If you regularly shop at M&S, the Shopping Plus credit card is worth considering as you will earn more points and be able to access cheaper travel money. It’s worth comparing your options to see if there are better purchase cards available to you and making sure you can afford the minimum repayment before applying.


  • 0% interest on purchases for 25 months
  • 0% on balance transfers for 25 months
  • Earn M&S points as you shop
  • 55 days' interest-free credit if you pay the balance in full and on time each month
  • One additional cardholder over 18

Minimum criteria

  • You must be over 18
  • You must be a UK resident with 3 years' address history
  • You must have a valid bank or building society account
  • Not available if you've had an M&S Bank credit card in past 12 months
  • 2.9% balance transfer fee (or minimum charge of £5)

About Marks & Spencer | Shopping Plus credit card

The Marks & Spencer Shopping Plus credit card offers 0% interest on purchases for 25 months from opening the account, and 0% on balance transfers for the same period. If you already have an M&S loyalty card, it also offers points for this while you spend.