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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (874 reviews)

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1.34

Based on 874 reviews, last reviewed 25th Jul 2025

100% increase in 5 star reviews

in the past 90 days

No new 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

Terrible Customer Service and Fraud Support We have had a fraud claim on out account since May 2025, we have made 5 calls to try and get this resolved, spoken to 4 different Customer Service age... Read more Reviewed on: 25th July 2025

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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 (874)

Awful

Unable to use unless you speak to someone,No good for online payment. Reviewed on: 14th February 2023

If it's not broke don't fix it

I have ditched the card, appalling service as tried to pay in full and it went pear shaped. Now have a ' real bank ' credit card, easy to understand and 4 weeks to pay .. John Lewis should be ashamed Reviewed on: 13th February 2023

No Problems with Partnership Card

Trouble free switch to new card provider: no problems: same credit limit: monthly direct debits with no issues: second card holder arranged with out difficulty: but I was not expecting problems: if you have a bad experience go to another card! Reviewed on: 10th February 2023

Sadly A Change For The Worse

My John Lewis card, when managed by HSBC, was my goto card and I used it consistently every month even paying for holidays on it. The change over to New Day was a bit complicated and I had to pay 3 times in the first month. I find the credit period has been reduced and this extra payment at the start of each month is un unwanted additional thing to think about. I no longer use the card and would not recommend it. The wrong move John Lewis. Reviewed on: 8th February 2023

Payment returned to my bank

Set up payment for 2nd Feb. The payment was returned to my bank. I had payed previous payments to the card with no problems but checked the details anyway. No notification from new day that they had returned money to my bank . Just as well I checked my bank statement! Reviewed on: 6th February 2023

New Day, New Nightmare

Like many other JL existing credit card customers I had to apply for a new card when JL changed the finance company from HSBC to New Day had a credit limit of 13k now just £250 this make the card unusable due to the low limit. Contacted New Day to ask why and they just sent an automated response asking me to provide countless bank statements to prove income. I paid my credit card in full every month white is this not used to prove I can afford it. I will now be cancelling this card. Very poor decision by JL Reviewed on: 6th February 2023

Simply not as good

I find it really frustrating that I now only get 2 weeks to pay my card..that's not really the idea of a credit card. Also my daughter who has just got her first jl card gets a month to pay..why is that???? Looking at your transactions on the app or actually on your physical statement is not as clear. And most annoying of all when I want to make a payment it does not link to my banking app so asks for my log in and use of a card reader every time. Don't change what is working brilliantly jl. Reviewed on: 5th February 2023

Charged equivalent APR of 0ver 1000%!

Just one more poor review of the new JL card provider, New Day. I logged in to pay my latest statement to find I had an interest charge of £7.59. I eventually got through the labyrinthine telephone selection process and spoke to a very nice "collaborator" or whatever stupid name they have for call centre operators who advised, after a lengthy investigation that this was interest charged on an outstanding amount on my last statement of 79p. That is an APR of more than 1000%! When I queried this, the operator said that was correct. Daily interest is charges at 20%. To his credit, he said he would refund the interest amount, but I'm wondering whether I want to stay with a sharp "payday" loan shark like New Day. Beyond surprised that John Lewis would use them. But I guess they don't care about trashing their reputation... Reviewed on: 3rd February 2023

Lacking in Human Touch

Given New Day's arrogant response to my complaint over the significant fall in service quality compared with the old card, plus JL's apparent indifference, I have moved to Tesco. The financial side was arranged quickly ( by a human! ), and I am impressed by their wider range and better prices . Reviewed on: 1st February 2023

Appalling

We had a £13000 monthly credit limit on the old card, used it for as many purchases as possible and always paid it off. If there were any problems we just rang, spoke to helpful people and made interim payments. We were forced into using this new card which has been a catalogue of headaches and insults, including: 1. My wife being rejected for a new card and me being offered a 2k limit 2. Frequent Pin and locked card problems 3. Confusing payment schedules and credit balances 4. I went £69 over the £2k limit and have been fined £12 and told that all outstanding balances are to be charged at over 30% interest despite making a hefty payment within 4 hours of notification 5. Inability to understand what I need to pay in order to clear the card and then cut it into little pieces. Idiotic insult to customers of over 30 years standing. The old system worked, someone needs to be taken to task for this Reviewed on: 30th January 2023

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