One of the reasons for using the Marks and Spencer Money credit card was the reward vouchers we get which include discounts and credit to spend in the shops.
We also pay a fee but this gives the benefit of a comprehensive travel insurance policy and enhances the value of gifts and bonus items throughout the year. WE also can buy currency at good rates.
Love this card as I get points for all my spending on it and get opportunities for bonus points on specific purchases. Like most people I enjoy something for nothing and getting my points coupons through feels like something for nothing. I pay full balance by direct debit and have never had any issues with my card. It also helps save me money as I don't carry my debit card with me and feel reluctant to use my credit card for small purchases so don't impulse buy.
I have had an M&S card for many years and have never had any problems with it. I have no problem making large purchases with regards to background checks or authorisation. It is also very nice to get the vouchers at the end of the quarter which always pays for little extras. Larger M&S stores now have the banks inside which helps enormously, staff always eager to help
I have held a M&S Credit card for many years and have always found the company fair and helpful when dealing with my queries.
The bills are easy to follow with clear instructions of minimum payment details and deadlines.
I enjoy the reward scheme and by using the credit card for shopping at M&S together with payment of household bills eg insurance renewals, holidays etc I earn regular shopping vouchers.
Does what it's supposed to. Reliable. Great customer service. Always been helpful when I've contact them.
Easy to use in UK and abroad. Good points reward system which gives M&S vouchers every 3/4 months to spend as you wish in store. Points received on all spend not just in store.
Application forms available in store or you can apply on line. Often there are introductory offers as well.