Write a review

John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (872 reviews)

View other John Lewis products

1.35

Based on 872 reviews, last reviewed 8th Jul 2025

100% increase in 5 star reviews

in the past 90 days

150% increase in 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

had a partnership card for years now. had a partnership card for years now. love the rewards vouchers on spends and the points you are awarded for using their credit card which i normally ... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

Paid my monthly statement on time and through my ban... Paid my monthly statement on time and through my bank as per usual , the monies left my account on the day and John Lewis advised the amount was still... Read more Reviewed on: 8th July 2025

Read all reviews See your review

About this product

Read our John Lewis Finance Partnership Card reviews to help you to find out about the pros and cons of taking out the Partnership credit card. What kind of features does the John Lewis Partnership card have? What do people think of John Lewis' customer service? Does the card have great benefits?

Find out more about the Partnership card by reading our reviews from the Smart Money People community - people like you. You can also write your own John Lewis Partnership Card review to share your own experiences.

Smart Money People is the UK's leading financial services review and insight hub. Together, we can make financial services work better for everyone.

John Lewis Partnership Card reviews (872)

Review of the John Lewis, Partnership 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

Paid my monthly statement on time and through my ban...

Paid my monthly statement on time and through my bank as per usual , the monies left my account on the day and John Lewis advised the amount was still outstanding , advised and sent screenshots of the parent made and it transpired that John Lewis had lost the payment in there system , yes they returned my late charges but with zero apology or compensation for all the anxiety and stress John Lewis caused , awful service awful awful service Reviewed on: 8th July 2025

had a partnership card for years now.

had a partnership card for years now. love the rewards vouchers on spends and the points you are awarded for using their credit card which i normally amass and spend in the new year sales. customer service is always good and the guarantees although it can be a pain sometimes to find the contact details Reviewed on: 12th June 2025

Unable to contact to unblock card outside office hours

I have had 2 vital payments blocked on a Sunday due to the algorithm thinking it was fraudulent activity. But Anyday is NoT open before 10am and after 4pm so you can not call to unblock your card. Been unable to purchase petrol on one occasion and unable to pay for a food order delivery due at 8am when expecting 30 for lunch at 12pm. I have made an official complaint but nothing changed. It is not acceptable. I will be cancelling my card. Reviewed on: 9th June 2025

I just really like the Parnership card.

I just really like the Parnership card. I makes things easier to purchase and the settings let you know when payment is due. It's very simple and has made my life easier. I'd recommend it to friends and family. Reviewed on: 27th May 2025

If I could score lower than 1 star I would.

If I could score lower than 1 star I would.. I’ve been trying to increase my credit limit .. you can’t even GIVE them money! Customer services are not trained to deal with queries - my dog can give me more info than they can… they deserve these bad reviews. I’m ditching my card and sticking with my M and S one who are brilliant at every level AND they deal with queries face to face in store… Reviewed on: 6th May 2025

Slow in producing pdf statements each month

Ask for payment and ask you to check your statement days before they get round to the producing the actual pdf statement itself! Reviewed on: 2nd May 2025

Pity you cannot give 0 They block your card for no r...

Pity you cannot give 0 They block your card for no reason and cannot explain why! Reviewed on: 15th April 2025

Newday have ruined JLs integrity

Newday who are the administarors of John Lewis credit cards are unpersonalised, unintelligent, incompetent administarors of a once reputable company. I have been with JL for decades, always paid my account in full on time, yet they would not increase my credit limit, and could not give me a reason why. The complaint phone lines are maned by people who speak with unfathomable foreign accents. John Lewis, you have gone down hill. What a shame!! The only bonus is a John Lewis voucher every so often, otherwise, I'd cancel it today. Reviewed on: 5th April 2025

Good credit card with money back

The JL partnership card is good because it gives some money back, dependent on how much money you spend, in the form of vouchers to be spent in JL or Waitrose. Reviewed on: 27th February 2025

Ever since NewDay took over it has been chaos.

Ever since NewDay took over it has been chaos. This happens frequently. I receive messages stating my bill was not paid on time, when it was.. All firms now have security and I do not find this problem with other providers. At the moment they have blocked my account, again. I always pay my account in full every month and have spent a lot of money with John Lewis. I do not think NewDay are the right firm to work with John Lewis. They are at the wrong end of the market. Reviewed on: 20th February 2025

Do you have a different John Lewis product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Premier Credit Card
from HSBC 3.95 from 20 reviews
Initial Credit Card
from Barclaycard 3.96 from 118 reviews
Freedom Rewards Credit Card
from Barclaycard 3.88 from 60 reviews

Want to see more from John Lewis?

Travel Insurance
from John Lewis 4.75 from 3 reviews
Breakdown Insurance
from John Lewis 4.00 from 1 reviews
Home Insurance
from John Lewis 2.43 from 69 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub