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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.32 (866 reviews)

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1.33

Based on 866 reviews, last reviewed 15th Apr 2025

100% increase in 5 star reviews

in the past 90 days

50% increase in 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

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 ... Read more Reviewed on: 27th February 2025

Latest lowest rating:

1

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

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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 (866)

Total mess

The decision by John Lewis to switch credit card providers has backfired badly. I have suffered no financial loss but the confusion and administration issues (ongoing as third party sites still seem to prefer my old moribund JL card) have been a real nuisance. Thanks to JL for the £5 credit voucher following my complaint to them. I shall still shop at JL but I am afraid I won't be using JL card - that is going in the shredder! Reviewed on: 5th January 2023

Useless since Newday take over

My card gets rejected by half of online websites, absolute waste of time. Reviewed on: 3rd January 2023

Not impressed

Warning - 0% balance transfer doesn’t exist if you use your card to also buy with. Just been informed that because I bought items with the card, I’m now liable to interest payments until I clear the whole amount, including the transfer amount. Reviewed on: 3rd January 2023

Totally unimpressed

Had great difficulty understanding what has happened to my account. Have been charged late payment fee which was due to be refunded, but has not been yet. Charged interest on balance outstanding in spite of making payment by direct debit!. Am still arguing about that one. PIN changed without notification, so card refused in Waitrose. I could go on all day about this. I think JL need to get their act together better here. And the administration/accounting department at New Day seems to be shambolic. Reviewed on: 3rd January 2023

Make it impossible to pay off your card then charge late fees

Every month had to reset password to pay card balance online to point my login was locked each month and eventually gave up paying online, then tried paying over phone but either phone lines would be down or when calling them up would get interference on the line and other people in another language talking whilst it was ringing which seemed extremely fraudulent so gave up on that method in end. Eventually settled on paying by cheque each month which was a hassle itself so was relieved when they informed all customers that the card company was changing and to continue using the partnership card would have to reapply. Took the opportunity to switch to a different credit card company (M&S) which in comparison make it super easy to pay off credit card and check account balance whenever like via their secure app. Was then bombarded with letters, texts and emails from John Lewis for several months despite blocking their number asking me to apply for their new credit card. Out of spite they then charged a late payment fee of £15.67 on the very last payment I made to them (having never incurred any late fees in the 7 years I owned a partnership card) this was a cheque payment during the 2022 December Royal Mail postal strikes so I ensured I sent cheque extra early and the date written on the cheque corroborates this. The fact they would not take the postal strikes into account for their service users who can now only pay off their accounts by cheque due to their incapable and inefficient online and phone services shows what a despicable company John Lewis has become. They can have the extra £15 they decided to squeeze out out of malice as it’s good riddance to a sham company who is clearly on its a**e. Reviewed on: 2nd January 2023

useless

What has JL done/ Absolute chaos I am going to cancel my card this week HNY Reviewed on: 2nd January 2023

We have been thrown to the lions

This changeover to a new card has been an absolute disaster. I have numerous accounts that had the old card details and I am continuing being notified that some renewal or other has failed. The app is unpredictable and I can’t even open it now. What a PR disaster for John Lewis Finance. They must be run by a bunch of incompetents. Reviewed on: 31st December 2022

Balance transfer not actually zero percent

I used the John Lewis offer of transferring my old balance from the HSBC provided card to tye new card provided by New Day. Thinking I would have the extra period to pay this off. Imagine my surprise when I see interest on my next statement. After calling and speaking to a New Day rep on behalf of John Lewis I was advised the only way not to pay interest was to clear the whole balance including the interest free balance transfer. I was advised that the company used money I payed to cover both the retail spend and balance transfer spend. I have put in a formal complaint as I said this is against what is advertised. Plus no other credit card works thi.s way. I am now waiting on a response from my complaint. But after being a John Lewis customer for 35 years I am on the verge of closing my account. Reviewed on: 31st December 2022

Avoid! Avoid! Avoid!

It seems like I am one of many loyal and long-standing John Lewis Partnership Cardholders who have been truly and utterly sold down the river. The change in credit card provider from HSBC to New Day has been nothing short of farcical. The whole process has been confusing, complicated and hugely stressful. Like others have said the 0% Balance Transfer option is a scam. After years of clearing the balance each month I am now being hit with interest charges left, right and centre and I have been left seriously out of pocket at a time when things are hard enough as it is with soaring inflation and the cost of living crisis. The Customer Service was New Day has been non-existent. With this disastrous change John Lewis has shown nothing but contempt for its customers. If I could give them a 0 out of 5 rating I would but unfortunately I can't proceed with this review without giving them at least one star. Reviewed on: 30th December 2022

Waste of time, lies all the way down

Offered a massively worse APR than the previous card despite the offer to transfer over with a comparable APR. Totally pointless. Reviewed on: 30th December 2022

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