Write a review

Newsletter

Go to business site

John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.08 (902 reviews)

View other John Lewis products

2.08

Based on 902 reviews, last reviewed 19th Jul 2026

400% increase in 5 star reviews

in the past 90 days

20% increase 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

Ditched after 15 years Ever since John Lewis changed their card provider to Newday, it has been abysmal.The gap between when the statement is available and when the direct d... Read more Reviewed on: 19th July 2026

Read all reviews Write a review

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.

Review John Lewis: Partnership credit card now

Help others make smarter decisions by sharing your own experience.

Write a review

John Lewis Partnership credit card reviews (902)

The problem is it's NOT run by John Lewis.

The problem is it's NOT run by John Lewis. They are using 'NewDay Ltd' who are detrimental to the John Lewis brand. We recently had some attempted fraud take place on our credit card account (one main and one additional card holder) - to the tune of around £3k. We detected the fraud (not the card company). It was a weekend, and the fraud phone line was closed (it is not 24 hours a day which seems a massive oversight for fraud). Similarly their chat was closed. Our only option was to freeze the cards via the App and live with no cards for the weekend. First thing on the Monday morning, we rang the phone line and the cards were cancelled. My husband got new card details and was told his card would immediately work in his google wallet. It didn't. We waited 10 days (because they refused to send new cards first class), and lo and behold, once he physically received the card and activated it his google wallet worked. My card was activated, worked online but doesn't work in physical shops. They have no idea why. They can't resurrect it and we've had to declare it damaged to get a new one. I will have to wait another 10 days to get a new card. If that wasn't bad enough... We had made a purchase of around £400 before we identified the fraud on our cards. This purchase was subsequently sent back for a refund. In the time between making a purchase and the return being received at the retailer, we had our cards cancelled. The retailer only had the original card number. We have just spent about 30 minutes on the phone with NewDay - first we spoke to customer services. They said they could see an attempt at a refund, but the refund was blocked because the cards were blocked. They said we needed to speak to the Fraud Department. We spoke to the Fraud Department. The person we spoke to went and got some advice from a colleague and told us we had to give the retailer a new card number so they could make a refund onto a card which was not the one we paid with. We stated that this is not possible - it's a marker of fraud and money laundering and is generally not allowed. She insisted. We insisted she speak to a Manager. She spoke to another colleague. Came back and told us the same thing. That we needed to ask the retailer to refund the money onto a different card. We insisted that's not the correct way to do it. We also mentioned that if we don't get a refund from the retailer that they, as the creditor are liable to refund us (when you buy on a credit card, the credit card company AND the retailer are jointly liable in UK consumer law). Finally someone else came on the phone and said that she was correct - that the retailer was using the wrong refund method. We pointed out that this is NOT what she said. And also NOT what apparently 2 colleagues said. This person also said that the Fraud team shouldn't be dealing with this question and it's a customer services question. We pointed out that we spoke to customer services and they told us to ring the Fraud team. This is the most contradictory and unhelpful 'service' I've had in a long while and taints the John Lewis brand. It seems like there is a complete lack of understanding of any process and corners are being cut in not providing 24 hour access and refusal to send cards first class. THIS IS NOT THE LEVEL OF SERVICE THAT SHOULD BE ASSOCIATED WITH JOHN LEWIS - BE WARNED. If I worked for John Lewis I would be horrified that such a good brand is being tainted by shoddy service. Unsurprisingly, we are now looking to move to an alternative card supplier that has decent customer service. Reviewed on: 24th April 2026

High interest although you gain points using your cr...

High interest although you gain points using your credit card whilst shopping in John Lewis Reviewed on: 17th April 2026

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 at my payment history would show regular transactions at my local Sainsbury's. At the third attempt to reinstate my card on Google Wallet after half an hour at answering security questions and extremely rude woman told me she didn't believe I was the card holder and I would hear from the fraud people. The fraud people were somewhat more intelligent and polite and sorted everything but I was treated like a criminal. Dreadful service. Reviewed on: 27th March 2026

John Lewis - Newday Credit card

My bank paid my direct debit but Newday verbally claim not have received the money even though it is showing on their app as a payment received my my bank. Reviewed on: 10th March 2026

The fraud alert system is not fit for purpose.

The fraud alert system blocks the card and does not allow easy confirmation of transaction to clear. This means that the card can be blocked for days. In addition their response and customer services do not work after 7pm. Cheap and lazy. Reviewed on: 9th March 2026

Poor Customer Service for long standing customers

Having had a John Lewis credit card for almost 20 years and paying it off in full, on time, every month I wanted to increase the credit limit in order to buy goods from John Lewis for my new home but was refused outright without any discussions or checks. I was able to switch to a new credit card provider with the limit I needed very quickly and have closed my card with John Lewis. I felt it was really disappointing service to a loyal and long term customer. Reviewed on: 7th March 2026

AVOID the JOHN LEWIS CREDIT CARD

I have had a JL credit card for over 10 years , paid off in full every month. I returned from holiday having cleared my card to buy a coffee. The card was blocked. Once home I looked at my account, because of a late purchase I was £5.25 overdrawn for 2 days. On my account in red was an aggressive, we have blocked your card , will report you and charge £12.00. On phoning they cancelled the £12.00 I wrote to the CEO of Lewis. This complaint was flipped over to Newday, who couldn't care less . They have now charge £4.93p interest. I spend over £12K a year from Waitrose . So tomorrow I will warn everyone I know to cancel their card. This is no way to treat loyal customers. Shame on you John Lewis. Reviewed on: 24th February 2026

JL Partnership card unrewarding

The John Lewis Partnership card used to have fantastic rewards, but recently this has changed and they are now very poor, even for spending within the Partnership. Reviewed on: 19th February 2026

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 their website or app. On the rare occasion I have needed to contact them by telephone I have received prompt service. Reviewed on: 22nd January 2026

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. Newday refuse to accept or understand this and continue to try and blame the customer for the issue. It seems the online card details for these transactions is held by Newday not the customer but what would I know after 40 years is IT. Reviewed on: 15th January 2026

Do you have a different John Lewis product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Clear Rate Platinum Credit Card
from NatWest 3.98 from 21 reviews
Balance Transfer Credit Card
from Bank of Scotland 4.08 from 13 reviews
Credit card
from 118 118 Money 4.73 from 5644 reviews

Want to see more from John Lewis?

Travel Insurance
from John Lewis 4.08 from 4 reviews
Breakdown Insurance
from John Lewis 4.03 from 1 reviews
Car insurance
from John Lewis 2.80 from 33 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub