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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (882 reviews)

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1.32

Based on 882 reviews, last reviewed 12th Nov 2025

100% decrease in 5 star reviews

in the past 90 days

75% increase in 1 star reviews

in the past 90 days

88%

Latest highest rating:

5

had a partnership card for years now. had a partnership card for years now. love the rewards vouchers on spends and the points you are awarded for using their credit card which i normally ... Read more Reviewed on: 12th June 2025

Latest lowest rating:

1

Lost my £3000 payment to my Partnership card Lost my £3000 payment to my Partnership card through their app for 2 weeks, causing much stress and many phone calls trying to get my money back - as ... Read more Reviewed on: 12th November 2025

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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 (882)

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

John Lewis Credit Card

Both myself and partner are disgusted with New Day. Credit Limit halved, wrong information given, application lost and one application not completed by them. Spent hours on the phone and have now applied for a credit card from our Bank, accepted and received by return of post. After years of being a loyal customer and paying in full we are disregarded and insulted by New Day and John Lewis Partnership. We have abandoned our applications and as always will pay our balance in full and wave goodbye! Reviewed on: 25th October 2022

Partnership card refusal

Have had partnership card for many years and always paid off balance every month. Recently retired. Enough money in bank, but not drawing a pension yet. Now refused new partnership card, because not getting a regular income. Called John Lewis customer service, but the answer is a “computer says no”! Thanks JL! Reviewed on: 25th October 2022

Shocking customer service

I have spent hours trying to manage the change to New Day and encountered long fruitless waits for someone to answer the phone. I was told I had received a code to use online, but this was not the case, so I could not get any further than the opening page on the website.. I have decided I have no more time to spend on this matter, and after 40 years with a partnership card, I have given up. This whole affair has left me very disappointed and dissatisfied and. very sad that John Lewis should oversee such a fiasco. I have always praised it for its reliability and customer service but this reputation has been severely damaged Reviewed on: 25th October 2022

Turned down by new provider despite top credit rating

Had the previous card for over 10 years, a £6k limit, paid off every month, and an excellent credit rating. After being refused, I appealed and was still turned down and given no reason. Did eventually get one but unimpressed by the whole process...another bad turn by John Lewis Reviewed on: 25th October 2022

Rubbish customer service

I had a suspicion that some reward points and a voucher had gone missing. I asked them to provide information on vouchers issued and if so, had they been used and where. All I got back was some rubbish about the Partnership card closing down. Had they read the questions? Obviously not. I got the feeling that wherever my enquiry had arrived at might not be UK based and the answers were just being churned out. Numpties. I know the card is closing down, just answer the question. Where are my vouchers? Reviewed on: 24th October 2022

No way to treat old customers

Got my new card. Impossible to activate and when I go on-line it tells me I do not exist. Impossible to call as nobody answers and then today it is occupied all day. Then JL have the nerve to say you get triple points on all purchases on the card. Really upset about this. Reviewed on: 24th October 2022

New John Lewis Card

Had problems paying for my Ocado online shop. Annoyingly had to wait for code to mobile phone. Tried 3 times got the code but couldn't input the numbers. I rang Ocado who helped me to pay their end. Said the problem was with Newday and advised me to ring them. Rang Newday, hung on for 20 minutes and gave up. As a John Lewis cardholder for many years with no complaints . I am unhappy that they have made these changes, which are definitely not for the better. Reviewed on: 24th October 2022

Not really a credit card!

I have my normal/old John Lewis payment being taken at the end of this month, as usual, so was very shocked to find that I now have ANOTHER payment being taken for the transactions THIS month on the new card. As I made a large transaction on 12th of the month, I now have to find that money this month, which I was not expecting - and if I'd known I'd have to pay for it so quickly, would have paid differently. I'm sure it's in the small print, but I naively assumed the new payment schedule would be similar to the old card. Very disappointed - and I've just tried to ring only to be told the wait time is at least 20 minutes (and it took several attempts even to get through, and 3 minutes of listening to different options before they told me that!) Very disappointed. Will be cancelling and using another card after this has been paid off. Reviewed on: 24th October 2022

What a mistake

I'm surprised that so many people feel the same as I do about this new card, I thought it would just be me. They advertise free balance transfers for 6 months but neglect to add there is a 1.99% service charge . I haven't renewed, John Lewis is a shadow of their former selves-such a shame Reviewed on: 24th October 2022

How to commit corporate suicide

Like other reviewers I have had a JLP credit card for years, pay off each month, never defaulted, and have solid financial resources (and am retired so monthly incomehas gone down, though my financeshave not). Apart from being p..ed off at having to reapply for a credit card that I have already got, I was incandescent when i discovered that my new credit limit was a tenth of my old one. And if I wanted it to be increased I'd have to make yet another application. Sorry but this card has now gone in the bin. There are plenty of other rewards-based credit cards out there. Reviewed on: 24th October 2022

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