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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.06 (913 reviews)

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2.06

Based on 913 reviews, last reviewed 16th Oct 2026

100% decrease in 5 star reviews

in the past 90 days

120% increase in 1 star reviews

in the past 90 days

87%

Latest highest rating:

4

Friendly and direct Friendly direct derive with good knowledge and recommendations Reviewed on: 13th October 2026

Latest lowest rating:

1

Charged for buying foreign currency Order South African Rands using the credit card.was charged 5% immediately and then and 1 week later £6.84 interest.18 months ago the same currency ha... Read more Reviewed on: 16th October 2026

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About this product

With the John Lewis Partnership credit card, you earn points on eligible purchases to get John Lewis and Waitrose gift cards.

You can check your eligibility in minutes without affecting your credit rating. There are also John Lewis Partnership cardholder offers, prize draws and opportunities to boost your points.

John Lewis Partnership credit card reviews help you find out what it’s really like to be a customer. If you’ve used John Lewis before, you can also leave a review and share your experience.

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John Lewis Partnership credit card reviews (913)

Charged for buying foreign currency

Order South African Rands using the credit card.was charged 5% immediately and then and 1 week later £6.84 interest.18 months ago the same currency had no such charges. Buyer beware.closed the account Reviewed on: 16th October 2026

DREADFUL. It has THE Lowest Payback time on the market.

It has THE Lowest Payback time on the market. Most credit cards are "up to 49 days", which in practice means "a minimum of 19 days" (as you take off one month to get the minimum) between a statement being generated and payment being due. NewDay (which is who John Lewis credit card foolishly use) are absolutely DIRE. They have a payment period of "up to 45 days", which is practise means "a minimum of 15 days", BUT (and they tell you that this is a GOOD thing!!!), they take the payment 6 days early, so you have just NINE days to pay!!!. So you can go away on a two week holiday with nothing due, and come back to find you've missed the final date for the payment. John Lewis USED to run their credit card themselves, and it was quite good, but now they have shipped it off to NewDay, AVOID THE JOHN LEWIS CARD LIKE THE PLAGUE. Please note. There is nothing wrong with John Lewis as a SHOP. In fact,. I'd recommend them. But avoid their awful credit card like it's leprocy. Get ANYONE else's. Lloyds, Nationwide, Santander. Doesn't matter. They are ALL much better. Reviewed on: 15th October 2026

Friendly and direct

Friendly direct derive with good knowledge and recommendations Reviewed on: 13th October 2026

Awful, not user friendly, time waster

Unable to enter my account as new system in place. Took more than 10 minutes to get in, requiring new passcode which I had no knowledge of, and then no up to date statement, just last month's figure which was paid 3 weeks ago. Reviewed on: 11th October 2026

JL card used to be great - what a shame!

Transactions refused as "fraudulent" then card is blocked or cancelled altogether necessitating long calls to customer service and a wait for a new card (twice in 3 weeks!) In the meantime JL are losing business. Since the move to Newday it has been dreadful and such reputational damage for John Lewis. Reviewed on: 10th October 2026

BEWARE THIS UNTRUSTWORTHY CREDIT CARD

So many bad experiences with this card – automated telephone systems that end in dead ends, making it impossible to report fraud; refunds from third parties not passed on, one of the worst chatbots in the industry and failure to provide consumer protection or follow legal requirements re redirecting refunds from cancelled or expired cards. Instead, they send the refund back to the retailer and tell you it's your problem. Blocked without reasons when travelling abroad so that you cannot rely on it; while allowing over £1000 of unverified fraud to go through. Staggering that the John Lewis brand is associated with such an untrustworthy and frankly shabby product. Reviewed on: 6th October 2026

Appalling customer service

I have been holding a John Lewis credit card for about 30 years. The transition to Newday has been catastrophic. It is clear that they cannot manage or deliver the service. There is no one to speak to after 8pm and if the computer says no to a transaction you are stuck! Their system is very primitive and cannot differentiate between a fraudulent and a genuine transaction. So if in doubt it stops the process. And if you need to complete a payment you'll need to wait till the following day. Service ha! I will be terminating my membership cause it has become very unreliable as a service. Reviewed on: 19th September 2026

Avoid like the plague

I am a senior citizen. A transaction I made at the weekend was blocked. The person I spoke to on Saturday did not believe I was me. I spoke to the fraud people today who treated me like a criminal, called me a liar, and only reinstated my card on the condition that any future transactions, if fraudulent, would not be covered by them. They don’t have to worry on that score, as my card is being closed after a stinging complaint to them and John Lewis. Reviewed on: 14th September 2026

New Day is utterly rubbish

New Day is utterly rubbish hence why Amazon don’t use them anymore I guess! Why does the awful app log you off and insist on entering all the information manually every so often. Even the mainstream banks don’t do this! It’s like they don’t want you to spend money! Reviewed on: 29th August 2026

newday not up to the John Lewis standard

Since John Lewis moved its credit card service to NewDay it’s been awful… so damaging to JL brand. Reviewed on: 15th August 2026

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