Marks & Spencer | Shopping Plus credit card

40 reviews

18.9% Representative

Intro purchase rate: 0% for 25 months

Purchase rate: 18.9%

Representative example:

Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so when borrowing £1,200 the Representative APR will be 18.9% (variable).

Marks & Spencer | Shopping Plus credit card customer reviews.

40 reviews

3.4 out of 5 stars

Excellent service and great rewards
11:57 04-04-2018
ImageSmart Money People

The online banking is excellent and it is great to receive M&S points, which add up to M&S vouchers, whenever spending on the card.

Nathan

Never have an M&S Credit Card
22:11 02-03-2018
ImageSmart Money People

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.

Vivian

M & S are a Joy To Work With
15:52 07-02-2018
ImageSmart Money People

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

Laurieb12

Inefficient & bureaucratic
21:14 26-01-2018
ImageSmart Money People

The attraction of the card is the points but, despite receiving about 40 pages of legalese, at no point is any explanation given about how the points work. Online customer services are no help. There is no option to apply for a second card when opening the account. It takes a 15 minute phone call to persuade somebody to send you an application form for a second card but then a refusal to issue one until certified passport copies or similar are posted off. Only a very restricted list of professions are accepted as suitable to certify the documents. Just not worth the effort!

Matthew Lee

useless
09:15 18-12-2017
ImageSmart Money People

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.

Anon

Very poor customer service - almost to the point of not telling the whole story to customers
09:48 25-11-2017
ImageSmart Money People

Opened an M& S Credit card account recently. I asked to pay full balance every month by Direct Debit but forms did not arrive so chased them up and was told I could arrange it over the phone. Did so and was told my payment would be made by due date, even though I queried it. Payment did not come off my bank even though the direct debit has been set up. When I telephoned I asked to pay the full amount by card so as not to incur fees but was told that I would incur fees EVEN THOUGH THIS IS THEIR FAULT. Customer service representative was asked twice if the payment could be taken on time and reassured me that it could - now she says it will take 10 working days but never told me that in the first place. I will be changing account suppliers ASAP as I do not like being lied to. If she knew it took 10 days why did she not tell me that when I originally set up the direct debit then I could have made a payment online to cover myself. I have an otherwise unblemished credit record and this has spoiled it. It has also spoiled my belief in M & S and I shall not shop there again.

Gordon

Great customer service
19:02 19-11-2017
ImageSmart Money People

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
ImageSmart Money People

I have so far enjoyed banking with M&S

cassie johnson

Excellent product
13:42 29-06-2017
ImageSmart Money People

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
ImageSmart Money People

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

Our review of Marks & Spencer | Shopping Plus credit card

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.

Written by: Chris

Highlights

  • 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)

Fees

  • Maximum APR %
  • Arrangement fee: £0
  • Early repayment fee: £0
  • Late payment fee: £0

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. 

Company information

Registration number: 01772585

bank.marksandspencer.com

08459000900

Kings Meadow, Chester Business Park, Chester, Cheshire, CH99 9FB

FCA registration

Reference No: 151427

Trading names: Marks & Spencer Financial Services PLC, M & S Bank

Place of business: Kings Meadow, Chester Business Park, Chester, Cheshire CH99 9FB

Data protection registration

Registration No: Z7484152

Data controller: Marks & Spencer Financial Services PLC

Address: Kings Meadow, Chester Business Park, Chester, Cheshire CH99 9FB

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