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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)

Hopeless

No statements arrive despite two phone calls have spoken to several people who are going to stop using it and unless there is a almighty sort out so will I. Reviewed on: 4th December 2022

Worst credit card ever

Nothing going for this card. Shame on John Lewis for failing to negotiate the exact same terms that were offered on the old card to the new card. I was offered an interest free balance transfer on the new card - fee 1.99% very good rate - for 6 months so I transferred my old card balance to the new card. I take it on the chin for not reading the terms & conditions. If you leave the interest free deal in place they take 5% off your monthly payment to reduce this balance and for as long as the interest free balance remains there is no grace period for interest on purchases with interest being charged as soon as you’ve bought an item. Not in line with other card providers. The statement date to date payment is required is also very short. Shocking card provider. Reviewed on: 4th December 2022

New Day card appalling

I had no problems with my previous John Lewis partnership card which I had for many years. Had a healthy limit. Paid off the balance in full each month. Since moving to New Day. I have been given a tiny credit limit. Barely enough to do a weekly shop. It took me 5 attempts of calling the very frustrating new day customer service number to speak to a representative who could actually help me make a complaint. My limit has not been increased and with no satisfactory explanation. I have an excellent credit score and can see no reason for it. I can see no alternative but to cancel the card. Reviewed on: 4th December 2022

what a mess

Bought food for food bank on my card. 6:30 Sunday morning a text from CC company listing that plus my online Christmas shopping as potential fraud. I replied confirming all OK only to find payments stopped. Hilarious (not) is that I am required to put in a code sent to my phone to complete these purchases, and then the message saying 'is this fraud' is sent to same number. With previous card-provider, all went smoothly, including my spending abroad. Now, I can't even spend at a supermarket in my home town without a problem. Reviewed on: 4th December 2022

The new JL credit card and the App are a disaster

I can’t make a monthly payment . I transferred money which was sent back to my bank the next day and I was charged interests , this was in October. Same happened in November. I tried to pay online following the directives on the App and it caused my bank debit card to be blocked (another hour on the phone to sort this out) , again I could not transfer , so I paid over the phone , and because I am not told when I should pay, I am now paying over the phone twice a month to avoid any further charges. I am livid at having been charged interests or late payment charges twice after 40 years with JL store card and credit card . I have now ordered another credit card , which has been delayed due to the postal strike , and I am hanging on until I recover these totally unfair charges. But the App is the worse of all banking Apps, the monthly statement is printed too small to be read and doesn’t say when you should pay nor how. There is no customer help contact in any form. I had to write them a physical letter to claim the charges back. I contacted JL customer services who said they would forward my grievance to them. In the past 6 weeks, I have received 2 texts saying NewDay will soon contact me with details of their complaint procedures ! Reviewed on: 3rd December 2022

very minimum notification to pay bill

We first of all had difficulty setting up these new cards to use. Now we find the new administrators don't send out bill payments very quickly. Luckily we checked out to pay the bill on time or we probably would have incurred interest on the payment. This is seems to be done on purpose to make use miss paying on time. This new card is managed for John Lewis by a firm that manages other store cards. We have now put it at the bottom of the pile for credit cards to use. Reviewed on: 3rd December 2022

Declined Card: Never been more financially secure

A loyal Partnership card user for 15 years. Regularly shop at Waitrose and John Lewis. Usually pay off card in full. I've sold a house, have no mortgage, taken out equity, retired with a sizeable lump sum and an NHS pension, I've inherited property and have a healthy six figure sum in savings at the bank. Somehow John Lewis finance don't think I'm a good bet for their credit card! I've worked hard all my life but somehow don't fit into their algorithm. I feel truly insulted, undermined and abused by a company that I used to feel great loyalty towards. Reviewed on: 3rd December 2022

Poor transfer of provider torturous customer service process

I've been thinking of all I want to complain about - but do know what, I can't be bothered - lifes too short. I will be voting with my feet after 15 + years Reviewed on: 2nd December 2022

John Lewis Great. Partnership Card Poor

Having been a regular John Lewis customer and well-behaved Partnership Card holder for over 15 years, the move to New Day has been a massive backward step. Won't give me anywhere near my previous credit limit, so I've already unknowingly gone over the current one. Never happened with the old provider except once when I got permission in advance for a special purchase. They were excellent. Reviewed on: 2nd December 2022

Awful card awful customer service.

The card will not link with Google pay. No explanation as to why or any solution. Now it just doesn't work at all. Tried to use the app to contact new day. The live chat didn't work. And after 30 mins on the phone gave up. So I will just nit use it. It doest work. Thank you John lewis Reviewed on: 1st December 2022

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