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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.08 (904 reviews)

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2.08

Based on 904 reviews, last reviewed 15th Aug 2026

400% increase in 5 star reviews

in the past 90 days

38% decrease in 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I am happy I am happy to share my experience about John Lewis credit card. It's amazing and they provide high credit. Good service. Excellent app. Reviewed on: 14th July 2026

Latest lowest rating:

1

newday not up to the John Lewis standard Since John Lewis moved its credit card service to NewDay it’s been awful… so damaging to JL brand. Reviewed on: 15th August 2026

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About this product

With the John Lewis Partnership credit card, you earn points on eligible purchases to get John Lewis and Waitrose gift cards.

You can check your eligibility in minutes without affecting your credit rating. There are also John Lewis Partnership cardholder offers, prize draws and opportunities to boost your points.

John Lewis Partnership credit card reviews help you find out what it’s really like to be a customer. If you’ve used John Lewis before, you can also leave a review and share your experience.

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John Lewis Partnership credit card reviews (904)

Nothing good about it

Advertise balance transfers to from old card still get charged interest then find out no other card takes balance transfers from this card Reviewed on: 7th January 2023

Avoid this card

I transferred to the Newday card on 1st November 22 after 6 years with the old partnership card. I had a nil balance in November and by mid December, I had been charged £27 in interest. As previous reviewers have said, I have not paid interest before, I make payments on time etc and this feels like a complete scam. I am with the other reviewers - don't do it. Reviewed on: 7th January 2023

Don't fall for the new JL card

Apalling service from NewDay, rude assistants, apalling communications. Reviewed on: 6th January 2023

Don't do it!

Feeling traumatised after being charged interest and late fee plus card automatically blocked till tomorrow. I have NEVER ever paid interest or been late paying and I'm approaching 69 yes. Received statement dated 18.12.22 on 6.1.23 stating minimum payment was due on 2.1. Finally got through to New Day and explained re postal strike. Paid by direct debit straight away but card blocked till tomorrow. Apparently I must ring again when next statement comes out to request refund of interest and late fee. There is such a short turn around between statement date and due date that this is likely to happen again whereas with the old JL card there was about 3 weeks. I am very upset and now considering changing to a new provider after all these years. Please don't sign up! Reviewed on: 6th January 2023

New John Lewis card a disaster for John Lewis

In October I switched to the new JL card operated by NewDay. A disaster from the outset. They failed to credit my first payment to my account then asked for it a second time. I foolishly paid what was asked without checking. They paid the money back to my bank using my card so according to them I still owe it. Communications with New Day are all but impossible with long waits and rude and incompetent staff. Thousands of people are complaining and getting nowhere. I had a JL card for 30 years - no problems. If it says John Lewis on the card John Lewis are ultimatemly responsible. I have written to the Chairman of JL and had a response. She is looking into it. JL neeeds to stop the rot before it becomes terminal. Reviewed on: 6th January 2023

Terrible decision by John Lewis to switch to NewDay as their credit card partner

John Lewis has always been my favourite store, but I have felt very let down by their decision to change credit card provider. It was all very easy to change - with the appeal of keeping reward points (and vouchers), but I was then very shocked to find my credit limit had been more than halved from £11k to £5k and despite requesting it to be changed I've been refused with no respect given to me being a very long-time partnership card holder (and high earner). Their reasoning is crap as well - totally vague. Added to the experience of what I read here and on other review sites, it's just so disrespectful to what must been a highly prized customer base to a financial supplier. I also find the payments to be annoying plus the constant verifications required to check purchases (finally conquered I guess by the trusted retailers option). All this just amounts to more admin - plus the stupid reminders to pay early. And now I can't make big purchases because of reduced credit limit the appeal of reward vouchers is lessened... And of course you cannot speak to anyone! Just so disappointed. John Lewis have seriously damaged their reputation with this "partnership". NewDay seem like a cowboy outfit in comparison to previous provider. Anyhow, over Christmas I have applied for two new credit cards with my bank and Amex and both were OKed easily - and with a higher credit limit. Only delay was postal strike but now I have them - bye bye John Lewis. Reviewed on: 5th January 2023

Shocking Customer Service

Having made a payment on 24th December, I received an email saying my payment was pending even though the money was taken from my bank account. I have now called New Day 6 times regarding this and they are literally the most unhelpful customer service team that I have ever come across, claiming it will take up to 10 days to find the money even though I have given them the reference number to locate it. I Will now incur interest fees on my bill which I am extremely angry about as I have never missed a payment before. Once this is settled I shall be closing my account, shame to tarnish the good name of John Lewis with an appalling credit company. Reviewed on: 5th January 2023

Credit Card chaos

I tried to make a payment and Newday emailed to say it was unsuccessful. I therefore tried again and the payment was successful. However Newday took both payments putting me into a bank overdraft. I have been told by Newday it will take 72 hours to refund the overpayment - why? I am seeking compensation for bank charges and I will then close the JL account. Shambles! Reviewed on: 5th January 2023

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

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