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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.07 (908 reviews)

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2.07

Based on 908 reviews, last reviewed 6th Oct 2026

67% decrease in 5 star reviews

in the past 90 days

100% 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

BEWARE THIS UNTRUSTWORTHY CREDIT CARD So many bad experiences with this card – automated telephone systems that end in dead ends, making it impossible to report fraud; refunds from third p... Read more Reviewed on: 6th October 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.

John Lewis Partnership credit card reviews (908)

Review of the John Lewis, Partnership credit card:

JLP and Newday in cahoots.

Told I'm ineligible - despite >50 years loyal JLP customer, 5 figure credit limit and score excellent - I have after communications with JLP managers concluded that this oust has been orchestrated by JLP. From sources including JLP and Newday websites,, I speculate: JL stores are in financial difficulty, currently supported by Waitrose itself on the brink. It’s not that JLP doesn't want higher spending loyal customers, it sure does; but what it wants is custom that doesn’t sap profits.    With the HBSC JL Partnership card, each £1 spent qualifies for a point, whose number depends upon whether spent at JL and/or W or elsewhere. The more elsewhere the less JLP gets the more it costs JLP. I think it used to be one point for every £1 spent in JLP, two for every £1 elsewhere. Nowadays for some eligible purchases at JL and W 5 points for every £4 spent; and for other eligible purchases at JL and W 1 point for every £4; 1 point for every £4 spent elsewhere. Fewer vouchers for spending elsewhere is not a deterrent. For example, if a card-holder with £5,000 credit limit spends £4000 a month elsewhere then JLP issues vouchers. Vouchers can only be used in JL or W but it doesn't follow the purchase price has to exceed the vouchers value. A cardholder could amass a substantial sum in vouchers without having spent a penny at JL or W. When using vouchers to buy in JL or W not have to buy anything involving any extra payment for the difference between the vouchers and price. JLP would make a loss. JLP says that over the last five years £230m has been issued in vouchers. How much of approximately £126,000 a day average has gone to customers that haven't paid JLP anything. By enlisting Newday to either render higher credit limit existing Partnership cardholders ineligible or where the applicant is eligible a substantially lower limit JLP is reducing the value of vouchers issued. JLP is probably getting a share of any interest paid by new card-holders and paying a lower commission on receivables (transaction sales). JLP I suspect envisages that where an existing Partnership cardholder is rejected that person would obtain a desired credit limit from another card provider and continue to buy from JL/W whenever. Whether enough existing Partnership cardholders would want to continue loyal to JLP is a separate issue. A JLP partner qualifying for discount told me that for most goods and services there are cheaper deals elsewhere. Not a deposit-taker Newday hasn't any revenue beyond credit cards. It borrows to re-lend, loan note interest between 2% and 6+% a year - with interest rates rising costs will go up: for how much longer its business is sustainable is anyone's guess. To finance JLP's transaction, Newday has taken out a loan of £650M. Any cardholder paying the whole balance monthly is getting an interest-free loan from the date of purchase to balance payment date - if you time it carefully then up to 45 days - so for that reason alone an existing JL Partnership cardholder is ineligible. Newday plans to float shares on the stock market next year so boosting the number of cardholders is to impress shareholders. A £5000 credit limit to one card holder (unlikely to pay interest) is akin to £500 limit to 10 card holders (likely to pay some interest). The net proceeds of a stock market float (rumoured capitalisation £2.5Bn) would provide a injection of interest-free cash. The sad part is that JLP could increase its profit margin and number of loyal customers without having to resort to destroying long-term customer relationships with JLP. Instead of the vouchers issued regardless of where a JL Partnership cardholder spends, the vouchers should be linked to the myJohnLewis and myWaitrose cards. Show or scan a my-card before paying and have the voucher value credited to the my-card - and since printing on paper is costly to administer, to issue every JL and W customer a my-card which can be produced by the customer at the check-out for credit and debit with the points/voucher value. Reviewed on: 5th September 2022

Problem free credit card

Problem free credit card which makes it easy for me to budget my every day expenses without the worry of being saddled with unsustainable debt. Reviewed on: 12th June 2026

A good cashback credit card

A reasonable amount of cashback and good customer service when rarely required. The customer 'offers' are a bit useless. Reviewed on: 12th June 2026

Very good card

Reliable, accepted everywhere, and points for spending Reviewed on: 11th June 2026

Helpful and with rewards

I've always found them very helpful when I have had a query. Also I like the rewards programme. Reviewed on: 11th June 2026

Zero TRUST, and HONESTY

Customer service is shocking. A distinct lack of ANY rewards for points earned. You call to say you have recieved zero vouchers depite clocking up over £25 worth, you're promised they will be re issued but will take a month to get to you??!! You wait, you wait some more and 'shock horror' NOTHING arrives. What on earth are JL doing having a partnership card that serves no purpose or benefit what so ever. Stress as no one cares, stress as you are owed something but nothing arrives. Sorry to say it's one BIG pack of lies from JL as you will get zero vouchers, zero help, zero answers. Reviewed on: 30th April 2026

The ritual for paying the credit card bill is crazy.

The ritual for paying the credit card bill is crazy. Make it more simple, fewer steps. IT INHIBITS ME FROM USING THE J LEWIS CC. Reviewed on: 27th April 2026

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

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