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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (885 reviews)

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1.33

Based on 885 reviews, last reviewed 19th Feb 2026

No new 5 star reviews

in the past 90 days

86% 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

balance transfers failure. Newday have changed their bank account details which means any balance transfers attempted via other banks send the money to their old bank account. ... Read more Reviewed on: 15th January 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?

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John Lewis Partnership Card reviews (885)

"JLP" aka Just Lost Plot.

Thanks to Newday telling me I am ineligible for the new JL Partnership card despite excellent credit score, 5 figure credit limit, etc, etc 31 October 2022 will mark the end of my JL Partnership card and circa 50 years loyal relationship with JL/W. Thereafter I won't be think of JL or W as my first port of call whenever Ii buy anything, No more recommending JL and/or W. It'll be just another shop which once upon a time had what it took but is no more. I have extolled the virtues of Newday on this board and other sites so the high esteem in which I hold Newday is renowned. As a gesture of goodwill to anyone that may not know this - I didn't until last week - a credit score fluctuates, depending upon how much of one's credit limit has been used at the time. For example if your credit limit is £10,000 and according to the soft check (meaning that your credit score isn't affected) the score is excellent, it doesn't matter that you pay the whole of the balance on each statement. What matters to the credit score is how much of the credit you have used at the date/time you check your credit score. Paying the whole of the balance is past performance: it does not create a binding precedent for the future. Until you receive your next statement and pay the balance on that statement, as far as the credit score is concerned you owe x% of the limit with no certainty whether the amount owed would be repaid in full by the payment date. The existing JL Partnership card can be used as an ordinary credit but really it's a store card that, because it is provided by HSBC, can be used as credit card anywhere. (Unlike Newday's version which can't.) JLP is not the most worldly organisation so probably would never have envisaged let alone intended that its cardholders would spend perhaps the bulk of the credit limit elsewhere and only a relatively small proportion at JL/W. But by so doing cardholders get JLP vouchers regardless, meaning that over the course of a year a high spending cardholder could easily accumulate more than £100 in vouchers to be redeemed at JL /W without having bought anything at JL/W. (I used to get more than £200 vouchers which I saved for use at Christmas.) It is advisable to close your credit card account with JLP before the expiry date otherwise the credit score might be told the bank has cancelled it in which case your credit score would be affected adversely. Just for fun, I am considering this paying all but £1 of the balance due and leave the £1 outstanding and gathering interest for years to come. Or until HBC write it off which the earlier. Reviewed on: 9th October 2022

New credit card

Cut credit limit by 66%. Will be buying larger purchases elsewhere using M&S card instead. Reviewed on: 9th October 2022

Time to move on

As with all other reviews we have been JL card holders for many years with substantial card limit. Always paid on time card limit routinely increased. This has encouraged us to shop at Jl and Waitrose for day to day shopping and all high end goods. Applied for new card and our business is no longer valued. This does indeed herald the beginning of the end of JL and Dame Sharon White. The board should understand the value of long standing customers and will pay the price for the shoddy treatment. Reviewed on: 8th October 2022

I have used the partnership card for 20 years and always made payments on time, Today got rejected for new card on their clunky new application platform

John Lewis have lost the plot. They are alienating their most loyal customer base. Reviewed on: 8th October 2022

New Day transition farce..

Whoever in the John Lewis organisation agreed to change their Partnership Card to New Day has brought the company into disrepute with a lot of their customers. Having used the card for most purchases and settled the bill in full each month it appears this is not the type of user New Day want. It would seem they are more interested in people who can’t pay, and have outstanding credit each month, hence they can levy huge interest charges on them. Shame on you John Lewis in this current economic climate. Reviewed on: 8th October 2022

Shocked and Very Upset

I have had a John Lewis partnership card for 20 years and always pay off the full amount. I would have given the service 5 stars previously. My application for the new NewDay card has been refused and I can't find out why without writing a letter! John Lewis you are alienating your most loyal customers! Reviewed on: 8th October 2022

New JL card service is inferior

after years of using the old partnership card with good service I am very disappointed with the new card provider. Twice my card has been rejected on line and the provider claims no trace of the attempted transaction which went through when I uedv another cc. The wait time and ridiculous number of options on the phone is unacceptable. The staff don't seem surprised at the problems and admitted they are new and having issues. I guess this new provider is cheaper for JL and mirrors the rest of their failing customer service. Reviewed on: 7th October 2022

Dealt with John Lewis fianace for 20 plus years have now closed account.

I have used a John Lewis Credit card for more than 20 years with no problems at all until they changed provider. I applied for cards for myself and my wife to replace the old cards. I have been unable to activate the cards. I have been completely unable to get an answer to my phonecalls from the new provider. John Lewis do answer but say they cant do anything phone the new provider. I have cut up and binned the cards and closed the account. Reviewed on: 7th October 2022

Total Foul up for New day Credit Card applications

I have been a loyal John Lewis for many years but it seems JL does not value such as their transition to New Day has left me and others fuming with their ineptitude..Avoid. Reviewed on: 7th October 2022

Rubbish partnership card

The old John Lewis partnership credit card was very good and myself and my wife used it for every thing even holidays and we always paid the full balance off every month. With all credit cards you have a set period of time during which no interest is charged (This is called the interest free period), usually between 20 and 55 days. For some reason John Lewis or New Day has decided this is far too generous and has reduced this to a very mean 10 days. We have other credit cards that allow at the very least 24 days interest free credit. Goodbye John Lewis Partnership card!! Reviewed on: 6th October 2022

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