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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.09 (902 reviews)

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2.09

Based on 902 reviews, last reviewed 19th Jul 2026

400% increase in 5 star reviews

in the past 90 days

20% increase in 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I am happy I am happy to share my experience about John Lewis credit card. It's amazing and they provide high credit. Good service. Excellent app. Reviewed on: 14th July 2026

Latest lowest rating:

1

Ditched after 15 years Ever since John Lewis changed their card provider to Newday, it has been abysmal.The gap between when the statement is available and when the direct d... Read more Reviewed on: 19th July 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.

John Lewis Partnership credit card reviews (902)

Review of the John Lewis, Partnership credit card:

JLP and Newday in cahoots.

Told I'm ineligible - despite >50 years loyal JLP customer, 5 figure credit limit and score excellent - I have after communications with JLP managers concluded that this oust has been orchestrated by JLP. From sources including JLP and Newday websites,, I speculate: JL stores are in financial difficulty, currently supported by Waitrose itself on the brink. It’s not that JLP doesn't want higher spending loyal customers, it sure does; but what it wants is custom that doesn’t sap profits.    With the HBSC JL Partnership card, each £1 spent qualifies for a point, whose number depends upon whether spent at JL and/or W or elsewhere. The more elsewhere the less JLP gets the more it costs JLP. I think it used to be one point for every £1 spent in JLP, two for every £1 elsewhere. Nowadays for some eligible purchases at JL and W 5 points for every £4 spent; and for other eligible purchases at JL and W 1 point for every £4; 1 point for every £4 spent elsewhere. Fewer vouchers for spending elsewhere is not a deterrent. For example, if a card-holder with £5,000 credit limit spends £4000 a month elsewhere then JLP issues vouchers. Vouchers can only be used in JL or W but it doesn't follow the purchase price has to exceed the vouchers value. A cardholder could amass a substantial sum in vouchers without having spent a penny at JL or W. When using vouchers to buy in JL or W not have to buy anything involving any extra payment for the difference between the vouchers and price. JLP would make a loss. JLP says that over the last five years £230m has been issued in vouchers. How much of approximately £126,000 a day average has gone to customers that haven't paid JLP anything. By enlisting Newday to either render higher credit limit existing Partnership cardholders ineligible or where the applicant is eligible a substantially lower limit JLP is reducing the value of vouchers issued. JLP is probably getting a share of any interest paid by new card-holders and paying a lower commission on receivables (transaction sales). JLP I suspect envisages that where an existing Partnership cardholder is rejected that person would obtain a desired credit limit from another card provider and continue to buy from JL/W whenever. Whether enough existing Partnership cardholders would want to continue loyal to JLP is a separate issue. A JLP partner qualifying for discount told me that for most goods and services there are cheaper deals elsewhere. Not a deposit-taker Newday hasn't any revenue beyond credit cards. It borrows to re-lend, loan note interest between 2% and 6+% a year - with interest rates rising costs will go up: for how much longer its business is sustainable is anyone's guess. To finance JLP's transaction, Newday has taken out a loan of £650M. Any cardholder paying the whole balance monthly is getting an interest-free loan from the date of purchase to balance payment date - if you time it carefully then up to 45 days - so for that reason alone an existing JL Partnership cardholder is ineligible. Newday plans to float shares on the stock market next year so boosting the number of cardholders is to impress shareholders. A £5000 credit limit to one card holder (unlikely to pay interest) is akin to £500 limit to 10 card holders (likely to pay some interest). The net proceeds of a stock market float (rumoured capitalisation £2.5Bn) would provide a injection of interest-free cash. The sad part is that JLP could increase its profit margin and number of loyal customers without having to resort to destroying long-term customer relationships with JLP. Instead of the vouchers issued regardless of where a JL Partnership cardholder spends, the vouchers should be linked to the myJohnLewis and myWaitrose cards. Show or scan a my-card before paying and have the voucher value credited to the my-card - and since printing on paper is costly to administer, to issue every JL and W customer a my-card which can be produced by the customer at the check-out for credit and debit with the points/voucher value. Reviewed on: 5th September 2022

Ditched after 15 years

Ever since John Lewis changed their card provider to Newday, it has been abysmal.The gap between when the statement is available and when the direct debit kicks in is far too short, I don’t understand why it takes 3 days to generate a PDF. Their customer service is terrible. The final straw for me was when I was refunded for a cancelled holiday (£5k) , Newday refused to take this into account before taking my direct debit ( £2.5k) and took the whole amount. It meant my account was in credit for ages and I couldn’t actually get my hands on my refund to use for anything else . Interaction with their staff on this was appalling . Reviewed on: 19th July 2026

I am happy

I am happy to share my experience about John Lewis credit card. It's amazing and they provide high credit. Good service. Excellent app. Reviewed on: 14th July 2026

Random blocks on online usage

Random blocks on online transactions including those with large companies like Sainsburys and Boots have meant that we cannot rely on the card. All the problems started when JL outsourced admin to Newday - who are hopeless. After 15 years, we will be moving to a new provider. Reviewed on: 10th July 2026

Poor customer experience

Received a text message to call New Day urgently re suspected fraud when trying to renew my car insurance online and payment was blocked. Immediately phoned the number to find that office hours are nine to five and to call back tomorrow. No way to unblock my card. Others problems are paper statements arriving after due date and lack of contact numbers on the New Day JL partnership website. Bring back HSBC as the card provider. In my view, card now not worth having unless you shop mainly at Waitrose and JL. Reviewed on: 22nd June 2026

Problem free credit card

Problem free credit card which makes it easy for me to budget my every day expenses without the worry of being saddled with unsustainable debt. Reviewed on: 12th June 2026

A good cashback credit card

A reasonable amount of cashback and good customer service when rarely required. The customer 'offers' are a bit useless. Reviewed on: 12th June 2026

Very good card

Reliable, accepted everywhere, and points for spending Reviewed on: 11th June 2026

Helpful and with rewards

I've always found them very helpful when I have had a query. Also I like the rewards programme. Reviewed on: 11th June 2026

Zero TRUST, and HONESTY

Customer service is shocking. A distinct lack of ANY rewards for points earned. You call to say you have recieved zero vouchers depite clocking up over £25 worth, you're promised they will be re issued but will take a month to get to you??!! You wait, you wait some more and 'shock horror' NOTHING arrives. What on earth are JL doing having a partnership card that serves no purpose or benefit what so ever. Stress as no one cares, stress as you are owed something but nothing arrives. Sorry to say it's one BIG pack of lies from JL as you will get zero vouchers, zero help, zero answers. Reviewed on: 30th April 2026

The ritual for paying the credit card bill is crazy.

The ritual for paying the credit card bill is crazy. Make it more simple, fewer steps. IT INHIBITS ME FROM USING THE J LEWIS CC. Reviewed on: 27th April 2026

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