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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.31 (889 reviews)

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1.31

Based on 889 reviews, last reviewed 10th Mar 2026

No new 5 star reviews

in the past 90 days

29% decrease 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

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 ... Read more Reviewed on: 10th 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 (889)

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

Switch to Newday?

Having decided to apply for a 'Newday' Partnership Card, I assumed I would be just transfering my account over to the lender. I was advised by JLPC customer services that I would actually have to make a new application. OK I thought. I went through the process only to be have my application declined. I was taken aback to say the least. I was advised by Newday that I may have incorrectly filled in my application form, even suggesting that I may have inadvertantly understated my income! I contacted JLPC services again, and after waiting for 20 minutes before I reached a human being, I was put through to the underwriting team who then confirmed I had filled in the form correctly! What's going on then? I have had the JLPC for over 25 years, and have always paid off the balance every month. Effectively I use it as a charge card, not a credit card - and there's the rub I think. Newday will make no money out of me, as they wont be able to charge excessive interest for a credit balance. That I have a 999 score on Experian is not relevant, they simply dont want me as a customer. Well done John Lewis! Reviewed on: 23rd October 2022

NewDay John Lewis Credit Card

Moan I have held the HSBC John Lewis Partnership Card for a number of years, as has my wife, and both of us had heathy Credit Limits; we were extremely happy with their service because one could talk to sensible people in the appropriate department. My wife received an invite to apply to New Day for a new one but I have never received the invite. My wife has a very healthy income but mine is greater than hers; we have no mortgage or debts. According to Experian our credit scores are both 999. These things mean little to me but I think that is the highest. My wife applied first with her invitation code, filled in our details, her income first and then mine as additional household income. She received a credit limit of £20,000 which was a little more than expected being somewhat greater than her existing. I completed my application without the benefit of a code but NewDay found me. The same details were entered regarding address etc and income, but in a reversed order showing mine as the greater and my wife’s as additional. I received a Credit Limit of £5000! That is vastly less than than my old one. I assumed some computer error and tried, by pressing various buttons to get through to credit control. Twice I have found no matter which buttons you press one only ends up at customer services who can only help solve anything by raising a complaint. Moreover, as far as I can see, unlike the HSBC card, one cannot secure message them. Three weeks later I received a very poor quality piece of paper, probably written by an automaton, saying my complaint was rejected- go to the Ombudsman. One month ago, 22 Oct, I wrote to the Chief Risk Officer of NewDay in great detail explaining my disgust at rejection, the reasons and the appalling customer service. I further said I was so disgusted that I would not activate the card, wished then to cancel it and remove the fact that I had recently applied for a new Credit Card from Credit Rating Agencies. I have heard nothing! I copied that letter to the Chief Operating Officer of John Lewis. I have had a reply from someone in Customer Service with the ‘standard’ we value our customers and strive to improve service and have asked NewDay to look into this. In other words, we are not really interested. John Lewis used to be a good retailer but, like others, everything seems to be descending to the lowest common denominator. I have been a loyal and steadfast customer for at least 50 years because I valued their service and standards. I have been prepared to pay a higher price for that standard. No longer I fear, I shall only shop there in extremis. As to NewDay, they are a complete shambles and I recommend that all avoid them at all costs. I doubt they can spell efficiency or good customer service. I do no expect to treated as some idiot punter. I wonder if I will ever get a reply, or an intelligent one which offers an explanation ! Nigel Yeldham Reviewed on: 23rd October 2022

Losing credit card after 30 years as a loyal customer

My card will expire in 10 days and I do not see why I should have to go to the trouble of applying for a new one Reviewed on: 23rd October 2022

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