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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.31 (890 reviews)

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1.31

Based on 890 reviews, last reviewed 27th Mar 2026

No new 5 star reviews

in the past 90 days

20% increase 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

I used my card to pay for petrol at my local Sainsbu... I used my card to pay for petrol at my local Sainsbury's. Later that day I received a message saying there was a suspicion of fraud. A simple glance a... Read more Reviewed on: 27th March 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 (890)

John Lewis Credit Card Provider let them down

There have been issues ever since JL switched from HSBC to New Day as their Credit Card provider when you need their help. The people at HSBC were polite and efficient and seemed to be aware they represented JL, whereas the Customer Service people at New Day are incompetent at best and can’t be bothered at worst. This card is fine if there are no issues, but as soon as you have one….. My card which is only 3 months old does not work at any payment points either contactless or chip and pin. I spoke to the guy at customer service and I had to explain 3 times what the issue was and then he asked me ‘What is wrong with the card?’ which is precisely the reason I was calling them. He couldn’t deal with the problem and told me someone senior would get in touch within 48 hours. 5 days later and still waiting. I rang John Lewis Customer Services to complain about New Day. I won’t bother chasing it. I will just switch to Amex who have great customer service and you get points off Amazon purchases. John Lewis is badly undermining its service credentials by association with this company. Reviewed on: 23rd January 2023

Hopeless

Since I was forcibly switched to the NewDay finance card, I've had nothing but problems. The online service ALWAYS fails to recognise my log in details, and even DOES recognise incorrect details, like my old email address. It's impossible, therefore, to see my statement. I've tried phoning, and the person I spoke to was polite and sounded helpful. But he hasn't cured the problem. I cannot be bothered to call again. I give up! Reviewed on: 23rd January 2023

New credit card using New Day is a disaster..

After 20 years of using the previous JLP credit card arrangement, I find the New Bay arrangement useless. I had had attempts to use it for retail purchases rejected many times and luckily I carry other cards to which I could resort. The formatting of the monthly statement is terrible compared to the previous arrangement, obliging me to convert the digital statement to a CSV file, then to format it using Excel so that I can get a clear picture of my spends. Add to that the fact that communicating with New Day is dire, I’m afraid I will be moving on to a different card. An I’ll considered change with not enough detail work to make the change, at least, satisfactory Reviewed on: 22nd January 2023

Locked out again

Three times i have been locked out and pin denied. Three times unlocked by telephone call to a very slow answer on the customer services help line. Just about to give up the card after a J.L. card for about 40 years. SHAME on the new provider.. Gill Pitt. Reviewed on: 22nd January 2023

Very poor

Originally turned down for the card as I’m retired but then accepted when unearned income was taken into account. Card keeps getting blocked, often for small payments. Friends think they’ve been turned down because they pay the whole balance each month. Moving to a different provider and would not recommend to others. Reviewed on: 22nd January 2023

Very poor customer service

Only 1 customer service number with myriad of automated prompts which do not work. Very concerned at fraudulent activity on my account, tried 3 times to select this option with ridiculous responses such as 'was it your Pin you want to change?' The Web chat was not much better. Given misleading information, took over an hour of repeated attempts/web chat to get through to an actual person. Appalling service especially in such distressing circumstances. Reviewed on: 22nd January 2023

Sharks

It's not that they (see Sandy Garfield, below) can't tell you why. It's that they won't tell you why. And they won't because it's precisely people who pay in full every month that they don't want. They want people who will build up debt. Reviewed on: 22nd January 2023

I have had no issues

In the interest of rebalancing a bit I have had no issues with the new JL credit card. My credit limit was retained and I have found the app straightforward to use. Reviewed on: 21st January 2023

Losing the plot

In the last few years I have seen a gradual decline of John Lewis / Waitrose values. The credit card switch is a typical example. When we contacted the Chairpersons office about the problems we were having switching cards (they did not care). The quality of fresh food has declined at our local Waitrose........food goes off much quicker once purchased as the sell by date is no longer on the packaging. When we complained to the store about repeated problems they were apologetic and said they had no way of monitoring shelf life other than produce going rotten. Head Office didn't seem to care. So as Head Office doesn't care, and staff in local stores don't feel supported we've decided to move our custom to M&S and Ocado. The John Lewis Partnership has lost site of its customer base. Reviewed on: 21st January 2023

Not even good enough for 1 star in reality!

But there's no option to give no stars! I was DECLINED a card with New Day despite having been a loyal customer of JL for 10 yrs. I ALWAY pay off by entire bill when it comes in. I have NEVER defaulted on any loan and have an excellent credit rating. My partner could also use the old JL credit card and he is a high net worth individual. I queried the decicison not to be allowed a new card with New Day - took for EVER of course and finally they said ... we uphold our decision and no we can't tell you WHY you have been declined. Now avoid shopping at John Lewis and Waitrose altogether as we are so shocked by what they have done. We've been loyal - but they don't care. AVOID AVOID AVOID! Reviewed on: 21st January 2023

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