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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.31 (890 reviews)

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1.31

Based on 890 reviews, last reviewed 27th Mar 2026

No new 5 star reviews

in the past 90 days

20% increase 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

I used my card to pay for petrol at my local Sainsbu... I used my card to pay for petrol at my local Sainsbury's. Later that day I received a message saying there was a suspicion of fraud. A simple glance a... Read more Reviewed on: 27th 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?

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John Lewis Partnership Card reviews (890)

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

I'm off!

Over 20 years with my old JL card and used for all my spending. New Day halved my credit limit plus it won't register for contactless payment on my Google Wallet. M&S card application on its way. JL losing its way badly. Reviewed on: 2nd October 2022

confusing

i had a text telling me that i had a payment due, no record of what it was for. I had to log on and pay and then had no receipt. this was only 2 weeks after i had cleared the last account. Reviewed on: 2nd October 2022

Bitterly disappointed

We were accepted with the same credit limit for the Newday card and I can only sympathise with the loyal customers who are angered by being refused for no good reason. However, we now feel that being rejected would have been preferable. We’ve been stressed and embarrassed by having cards that only work sometimes. We’ve spent ages on the ‘phone to Newday and have been alarmed to receive fraud alerts when we’ve tried to make purchases and been declined. We’ve issued a complaint to Newday. I’ve shopped in JL and Waitrose practically since the last ice age. I opened the JL card as soon as it came out. I echo what everyone else has said about loyalty, anger and disappointment. There’s something else I’ve come to realise- I rely on my credit card, like my bank account, it provides security and confidence as I go about life. That has gone out of the window. We’re researching other credit card choices. Reviewed on: 2nd October 2022

Big Mistake by JL

Issuing a card went OK although limit was less than on JL's HSBC backed card. Used for about 3 weeks and then got a text to say balance to be paid in 10 days, a much shorter time than most cards. Also, they had ignored my request for a specific statement date despite asking me for one. On going into my account, I noticed that paper statements were not an option and they only stayed online for 6 months. Had monthly statements from previous card which suits me. Decided to ring them to get statement date changed and get clarification on a few things. None of the options were suitable and there were layers and layers of them. There seemed no way to actually speak to anyone. So, I decided to push the option to cancel my card, thinking that would trigger a response from a human. It didn’t! After telling me all the things I had to do if cancelling my card, it announced it had cancelled it! JL have gone from a flexible card with good customer service to one with a lesser time to pay, no flexibility and as good as no customer service. They will regret this move. Reviewed on: 2nd October 2022

New day POOR

Applied for a new JLP card,held a card for 10 years always pay off payment and clear balance,application was denied,not a happy customer,BYE BYE JOHN LEWIS Reviewed on: 1st October 2022

new credit card problem

To entice people to switch to the new card offers like lots of extra points being added so I switched and ordered new carpet for our dining room. when asked to pay John Lewis, I tried to do so using the new card and it was rejected by John Lewis. Says a lot when a company rejects their own card! In the end I had to pay using the old one. Now I am trying to pay my balance owing and cannot find details of where and how to pay on line by BACS. I do not want to set up a direct debit or pay via some App on my phone. You have made a big mistake John Lewis switching to New Day. Otherwise shop customer service is great. Reviewed on: 1st October 2022

Told to make payment to Amazon!!!

Received card ok but trying to pay on-line through my bank impossible. Finally managed to contact NewDay and was told that they deal with many companies and to enter 'Amazon' as the payee and it would be transferred to the correct account - because they haven't set up the John Lewis Partnership Card yet! Thank you Mohammed. They cannot be serious. Will be cancelling. Reviewed on: 1st October 2022

New Day inefficiency

Told my account had been accepted and cards had been issued. Two phone calls later when cards had not materialised, I find that my account has been cancelled in error and I can't reapply until 16th November!! I had problems when NewDay when they were the credit card provider for Debenhams. Doesn't look as though things have improved. Trying to speak to someone at NewDay is a nightmare. Reviewed on: 1st October 2022

New Cc fisco

Echoing prev comments re reapplying for a JL card I tried complaining. Have just received a complaint denied letter, giving no reason for not being able to continue with a company I have used for over 20 yrs. Appallingly disappointed in JL's customer 'service'. Reviewed on: 30th September 2022

Unable to access the account on line

Received the card weeks ago, and have previously accessed my account without any problems. HOWEVER, over the last 24 hours I have been trying to sign into my account, but the PassCode boxes will not allow me to enter ANY characters! I do not want the app, but am computer savvy. I have tried different browsers, and have never experienced anything like this before, and cannot find anyway I can report this. ( you have ot log in to send a message !!- what a joke) Reviewed on: 30th September 2022

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