Write a review

Go to business site

John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.31 (889 reviews)

View other John Lewis products

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

Read all reviews Write a review

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.

Smart Money People is the UK's leading financial services review and insight hub. Together, we can make financial services work better for everyone.

Review John Lewis: Partnership Card now

Help others make smarter decisions by sharing your own experience.

Write a review

John Lewis Partnership Card reviews (889)

Payment Taken early

Like many of your other reviewers I have also found the transfer to New Day Ltd very disappointing. Previously my credit card payment was always due circa 12th of the month. This fitted nicely with my pension payment of 6th of the month. I have always paid my credit card off in full. Under the New Day organisation I now have to pay my card by 4th of the month. This month's payment will exceed my balance in my bank account. Thus if I pay my credit card debit on time I will incur bank charges. If I do not pay in full New Day will charge me interest. I was unable to change the payment date for Nov payment. I am hoping that the Dec payment can revert to a later monthly payment. Two previous credit cards I held with New Day as credit provider had also been problematical . As I result I stopped using those cards. Reviewed on: 23rd October 2022

Replacement Partnership card declined

Having been a John Lewis partnership card holder for more than 20 years I was advised that John Lewis was moving to a new credit card provider and that I should follow the easy application process to apply for the new card provided by New Day. The process was indeed simple until I was DECLINED. To say I am gobsmacked is an understatement. I have been a loyal customer of JL ( which I previously thought was a company that valued loyalty) and used my card regularly. Every month the card was cleared in full. I called the number advised to find out the reason that my application was declined and was advised I had to write an actually letter to post, to appeal this refusal. 28 days later I am still waiting for any contact. This is not the sort of service I would expect if John Lewis wishes to keep my custom. I hear I am not the only one to experience this. Yours from a very frustrated previous customer. Reviewed on: 23rd October 2022

My loyalty to John Lewis sadly gone with the credit card

I’ve had a John Lewis credit card for over 15 years, with a credit limit of £5,000, had to reapply (which was an excruciating experience, only topped by the ‘activation’ palaver which was a sheer waste of hours of my time) to only get £750 credit. I called to complain - was told I couldn’t complain yet - it had to be done in 15 days time… So I explained politely that the card was next to useless and I would be cutting it up and putting it in the bin. What a shame JL have got it so wrong after years of good service. A poor decision just to save money if that’s what it was. Reviewed on: 23rd October 2022

NewDay/Partnership card

Oh dear, can only hope it gets better. After over 30 years with John Lewis with their HSBC financial bank, our credit limit was reduced even though we always paid our outstanding monthly balance and told it will take six months to reinstate it. With a very bad previous experience, concerning a late payers fault with NewDay when they were backers for a defunct Debenhams store card. Another disappointing feature with dual cardholders NewDay statements do not show which card was used in transactions. John Lewis’s reputation has received a serious blow! Reviewed on: 23rd October 2022

Very disappointing

I have started using the new JL partnership card. The balance on the old card (c£1,500) was paid by direct debit in mid-October as usual. I was surprised to receive a statement for the new card yesterday which informed me that the balance due on that card (c£750) would be taken on the 31st of this month. I contacted New Day which confirmed that the new card offers only 15 days credit. I am in the fortunate position of being able to cover this extra outlay in a month but I suspect many people will suffer hardship as a result of this reduction in the length of credit. I am tempted to cancel the card, having been a cardholder for many years. Reviewed on: 23rd October 2022

Complete indifference.

In June my husband died and as he was the main credit card holder with John Lewis my card was cancelled. To my horror they would not issue a new card until they had changed banks. Subsequently Trailfinders paid into my cancelled account a sum of money owing to me even though I had told them the debit card account had been cancelled. This money has been sitting in a holding account since July with neither John Lewis nor Trailfinders accepting responsibility. John Lewis had assured me that I would be the first to receive a new credit card but of course I have not heard from them and it is now the middle of Oct. Reviewed on: 23rd October 2022

My letter to Dame Stella

I concur absolutely with all the comments on this section. I wrote to Dame Stella when we had to deal with NewDay, a shocking experience and I had experience of them also through Laura Ashley. This is it Dear Dame Sharon, Thanks for your acknowledgement, but apart from further accountability shuffling and palm-off's from Iain Stewart I've yet to see any empathy with the Customer view whatsoever. As I said in my original email I served on a multi-national Board for some 12 years before retiring and we operated a customer-centric organisation which placed the customer at the top of the tree, and the internal management structure and business processes playing second fiddle to the "front line" or customer interface. I certainly don't get a customer-centric feel from the replies I've had in this exchange recently, and clearly Iain seems to put his relationship with NewDay before those of his customers. John Lewis doesn't seem to get it! When your service levels don't deliver, we don't want to hear from your suppliers, we need John Lewis to take primary accountability and go out on a limb to put things right quickly and decisively. It hit me as Déjà vu that my original complaint written to you on 17th October is absolutely consistent with the cacophony of complaints echoed in the article in today's Sunday Times, and the customer comments it refers to on the Smart Money People website. There's a world of JL customers of long standing out there shouting "you've got it wrong" and nobody seems to be listening. Where on earth has the John Lewis we used to have confidence in gone?? A good first start for one or more of your senior team would be to “mystery shop” by phoning a query to New Day, and try to speak to a human, you might then get a bit closer to understanding the problem. See how easy it was, and how long you had to hang on. I can't find today's article on the web so I've scanned it for you, but I'm sure you've seen it. I've also added the link to the Smart Money People page Reviewed on: 23rd October 2022

Another credit card problem

Having been accepted for the new credit card, albeit with a reduced credit limit, I then found that my efforts to log on from my computer were thwarted by the inability to log on from my computer. Tried customer services helpline twice over two days with the same result. They were very patient talking me thru each step but the system would not allow me to enter a password. I was advised to download the app and just use that. I have never experienced any problems with using my computer to log onto any other website. This new card service is app driven and since I don't want to do all my business on the app I have with extreme reluctance cancelled my card. Very sad as many years a loyal John Lewis customer - and still am - but this new credit card stinks. Reviewed on: 23rd October 2022

Bullied to pay

Having recently received our new cards from NewDay we already being bullied to pay a bill we haven’t received. A big mistake John Lewis who when contacted shrugged us off This after decades of loyalty. Reviewed on: 23rd October 2022

Abysmal

To have your credit limit reduced by 66%, with my appeal being rejected, is a sign of total incompetence and unprofessionalism. JL - you have seriously messed up and you should be ashamed. To put this into context, we have just applied elsewhere for new credit cards, and our credit limit is far higher than the reduced one provided with JL’s new provider. I am still referring my complaint to the Financial Ombudsman Service and would recommend you do likewise. . Reviewed on: 23rd October 2022

Do you have a different John Lewis product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit builder credit card
from Vanquis 4.78 from 19912 reviews
Aqua credit cards
from NewDay 4.89 from 3244 reviews
Credit cards
from Virgin Money 3.84 from 802 reviews

Want to see more from John Lewis?

Travel Insurance
from John Lewis 4.75 from 3 reviews
Breakdown Insurance
from John Lewis 4.00 from 1 reviews
Home insurance
from John Lewis 2.03 from 76 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub