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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (884 reviews)

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1.32

Based on 884 reviews, last reviewed 22nd Jan 2026

No new 5 star reviews

in the past 90 days

67% decrease in 1 star reviews

in the past 90 days

88%

Latest highest rating:

4

The JLP card offers cashback based upon spending and... The JLP card offers cashback based upon spending and it is possible to generate £100+ cashback per year. Managing the account is straightforward via t... Read more Reviewed on: 22nd January 2026

Latest lowest rating:

1

balance transfers failure. Newday have changed their bank account details which means any balance transfers attempted via other banks send the money to their old bank account. ... Read more Reviewed on: 15th January 2026

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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.

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John Lewis Partnership Card reviews (884)

Terrible Customer Service

I was really happy with the old card provider (HSBC) but the new provider (New Day) puts up so many hurdles it is almost impossible to speak to a real customer service person. Goodness knows how anyone without a smart phone manages to speak to them. Not all the answers to my questions are on the app or bot! Do not think I’ll stay with them for much longer. Reviewed on: 1st March 2023

Absolute Shambles

I am a long time John Lewis fan and when they sent me a tempting offer for their partnership card earlier this year I decided to apply. The tempting offer was that there was about £70 already waiting for me in reward vouchers. I got my card but information about the rewards was (and still is!) very poor or non existent. It turned out that there was no Guarantee that my £70 would be payable anytime soon as they had too many applications - not my fault! I finally managed to get them allocated but then they disappeared with no explanation. A few phone calls later I was told that they had been removed from my app to be sent out to me in February. We’re now in March and there is no sign of them or even any warm words that they might arrive soon. I was told it takes 28 days from the day the points disappear from your account to arrive on your doormat as vouchers - nowhere on the website does it say this - what it does say is that you will get vouchers in February! No doubt John Lewis thought that this card would increase value for customers but as far as I’m concerned it’s destroying my relationship. The app was down earlier this week and I couldn’t use my card, it’s all a complete shambles. Does anyone remember the Hoover incentive for BA flights in the 90’s - I wonder if this is heading that way for JL? Reviewed on: 1st March 2023

new credit card

i have now ditched the John Lewis card. the service from the new provider is nil can’t discuss with John Lewis and New Day say they give you 15 days to pay. the date of the bill is 15 days but they don’t allow for 7 working days to reach you and if this is a weekend? i cannot use a card that gives you 7 days to pay! Reviewed on: 27th February 2023

Shame on J-L

I'm a big John Lewis fan but their recent change of credit card provider has been a shambles. I've no idea what they have changed provider but for a company that claims to be service focused they have got this so badly wrong. Reviewed on: 27th February 2023

Rip off

So, you get to fix your payment date at application stage. But its not fixed, it changes by up to 4 days each month, so they can charge you default and interest. Never been so annoyed! Reviewed on: 24th February 2023

Missing money on balance transfer £4.4k

Did a 0% 0% fee balance transfer from JL newday to HSBC. HSBC sent money to right card...Newday cant find it...meanwhile took money from account...so paid it twice. 21 days on from raising it with them hours on the phone, emails and basically a groundhog experience getting nowhere with both banks. One says its gone through...Newday say can not find it...need more info in an endless loop with them. Awful awful awful. Stuff the points. Bad decision John lewis. Agree payment dates keep changing. 1st now 6th March!! Customer service ... you can not speak to staff who can deal with the issue...as for the "something else" telephone queue...you end up shouting at the automated system. Awful avoid avoid avoid. Reviewed on: 23rd February 2023

worse experience ever

I switched to the new provider,unfortunately this is the worse experience ever. The statement dates continuosly changing, interest rates applied on the amount already paid, offers not respected (ballance transfer free of charge fo 6 months- I paid interests from day 1). I will pay the remaining amount and cancel the card. That's a shame that john Lewis picked such a poor provider! Avoid at any cost!!! Reviewed on: 21st February 2023

Bad Day Finanancial services

Had the old John Lewis card for a number of years and always been very happy with it, however JL took the decision to change provider to a bunch of cowboys called New Day Financial services. Presumably this was done to save them a few quid as previously administerecby HSBC.Well, the old adage of paying peanuts and getting monkeys is certainly true for these. Almost impossible to get hold of, and random unrequested freezes on the card, leaving you looking stupid in a shop making the card little better than pointless to have.. Worst thing is after eventually getting through, they conduct an "investigation" and finish up saying the cardholder requested the freeze. How can they when didn't know it was possible and have no idea how to do it? Save yourself some trouble anf get a different card Reviewed on: 21st February 2023

the new provider is rubbish

The customer support representatives are nice but the product once taken over by the new supplier took a steep dip. Anyone today would offer me double the limit they do and they can't explain apart from some bs why they are afraid to offer a decent limit Reviewed on: 20th February 2023

rubbish service & lack of customer contact

Card was locked up after several swipe attempts & pin insertion. The card is a total waste of space. Phone to customer services says it offer contact to unfreeze on selection of items but the only option is to freeze which is not acceptable as it does not permit any payments. You cannot speak to anyone or email them with your problem . Their chat line is not working. When I have paid outstanding balance the card will be cut up & the account closed. My other cards work perfectly in stores without this irritation or online. Wrote complaint to John Lewis direct about NewDay but all they did was send it on to Newday who unethically texted my wife about the complaint I had made. What an awful way to conduct a business. Reviewed on: 15th February 2023

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