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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)

Review of the John Lewis, Partnership 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

Looking for a new card

What a shame. This new JL card is a total disaster with zero customer service. After many satisfactory years with the old JL card I am now looking for a new provider. Reviewed on: 11th December 2022

Card & app good. Unable to balance transfer - very bad!!

So the app for the credit card works well & is easy to navigate. BUT you can't balance transfer your debt from this card to another provider!! Or reduce your credit limit on it. Hmmm! May well be looking elsewhere very soon. Reviewed on: 11th December 2022

Balance transfer to other card

You cant balance transfer the money out of this card to clear the debt. This card is not recognised by other banks. There are no PDF style statements on line just a total of whats due. This is unbelievable as you are forced to either pay off the entire amount with a debit card to avoid interest charges or part pay and incur interest charges WONT BE USING THIS CARD AGSIN!! Reviewed on: 10th December 2022

New Day No New Dawn

I have been a customer of JL for over 40 years and have always seen them as the standard of modern shopping. I have refused a new card since I was told that my original card has now been withdrawn. I applied to New Day for a new one as I was instructed to do by JL only to be told that I do not meet the requirements. I am in semi retirement now but still have an income of over £50k pa. What a sorry state JL have come to, the chair person needs to consider who their real customers are and look after them, they won’t get help from the so called younger shoppers so they should consolidate their existing and long term shoppers and keep them sweet Reviewed on: 10th December 2022

Absolute disgrace - the new John Lewis Chairman should be FIRED immediately she is set to RUIN JOHN LEWIS

Ex - Loyal John Lewis 'Partnership Card' holder and Customer. NOTICE THE EX- STATEMENT. Should any company treat its long-standing loyal customers with absolute disdain and lack of respect, they should fail and go out of business. I hope you read this JL as you have LOST a life-time loyal customer , who has spent many thousands on JL expensive purchases over many decades - well lets say enough is enough! Since you farmed out your HSBC credit card to the UTTERLY APPALLING JOKERS 'NEW-DAY' WHO ARE CLEARLY AN UNFIT FINANCE COMPANY WITH ONE OF THE WORST REPUTATIONS IN THE WHOLE FINANCE INDUSTRY AND WHY 'AMAZON' DUMPED THEM. CLEARLY JOHN LEWIS KNOWS THEY HAVE BEEN FINED OVER £1000,000 BY THE FSA AND YET THEY DECIDE TO GET IN TO BED WITH THE SHOWER OF CLOWNS TO SAVE SOME MONEY!!!!!!! JOHN LEWIS - YOU ARE ON THE PRECIPICE AND IF YOU CONTINUE WITH YOUR DELINQUENT DISREGARD FOR YOUR CUSTOMERS - - - - YOUR DAYS ARE NUMBERED ------ AND YOU WILL FAIL AND BECOME YET ANOTHER BANKRUPT COMPANY!! Reviewed on: 10th December 2022

Oh Dear

I see the bank that New Day use to process payments (or not) have been fined £ 107 million for failures to operate securely and risking financial crime . Reviewed on: 9th December 2022

John Lewis abandons loyal customers to Newday

Well not at all what you expect from John Lewis, the new partnership card handled by Newday is not a suitable substitute for the original. Credit term has been cut by 10 days and should you leave a balance amount interest is charged on all new purchases as well. Shall pay off full amount and curtail further usage. Reviewed on: 9th December 2022

Poor substitute

Worse on every measure - poor service and short time between statement print date and due payment - designed to demand interest and making it difficult to clear your balance Reviewed on: 8th December 2022

John Lewis no longer care about customers

Had the old card since it was launched and well satisfied. New card regularly demands full chip/pin insert. Amazon refused to accept new card "your bank requires verification". Yet another John Lewis change that falls flat and they clearly don't care. Reviewed on: 8th December 2022

Purchases declined and card blocked!!!!

I got a John Lewis credit card but when I used the card it was declined. I called customer service but it was 7.01pm and their phone lines close at 7pm and they don't use any other mechanism to prove that it's the cardholder making a genuine purchase - like a text or automated service like we now use in 2022!!! I called them the following day to be told that I am not the cardholder and they believe the purchase to be fraudulent!!! After some time on the phone trying to convince them that I am indeed the cardholder I was told that I will have to wait for a call back from them to discuss the matter. Well guess what, it's been 2 weeks and no one has called me to unblock my card or apologise for the inconvenience of them blocking my credit card, so today I called them to cancel the account and it was completely automated (so they use automation when it suits them - not to actually help the customer). They don't care why you're leaving, they don't even want to speak to you! So my advice is steer well clear - this company does not deserve our money! Best to stick to reputable banks such as Barclays. Reviewed on: 8th December 2022

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