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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.06 (899 reviews)

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2.06

Based on 899 reviews, last reviewed 22nd Jun 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

Problem free credit card Problem free credit card which makes it easy for me to budget my every day expenses without the worry of being saddled with unsustainable debt. Reviewed on: 12th June 2026

Latest lowest rating:

1

Poor customer experience Received a text message to call New Day urgently re suspected fraud when trying to renew my car insurance online and payment was blocked. Immediately... Read more Reviewed on: 22nd June 2026

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About this product

With the John Lewis Partnership credit card, you earn points on eligible purchases to get John Lewis and Waitrose gift cards.

You can check your eligibility in minutes without affecting your credit rating. There are also John Lewis Partnership cardholder offers, prize draws and opportunities to boost your points.

John Lewis Partnership credit card reviews help you find out what it’s really like to be a customer. If you’ve used John Lewis before, you can also leave a review and share your experience.

John Lewis Partnership credit card reviews (899)

Review of the John Lewis, Partnership credit card:

Why change to New Day and lose credibility?

Had a partnership card for over 30 years, always smoothly. Now New Day are involved and I get a letter telling me my emails are not reaching me. Given log in puts me on a black screen with JOHNLEEISCREITCARD.COM in blood letters with links to credit cards that have nothing at all to do with John Lewis cards. Spelling wrong and looks like it’d been done by a hacker or a child. Lost all confidence cut up my card and rang New Day they are hopeless Reviewed on: 8th November 2022

Time to do a Truss turnaround JL

The above one-star review relates only to the fiasco of applying for the new card. In fact my own application sailed through without a hitch, but my husband was refused in spite of much discussion with New Day. I then received an email from JL congratulating me on having been successful. The gall of it. In view of the comments from other users on this site, I doubt I shall use the card when it finally arrives. Reviewed on: 4th October 2022

New JL credit card

Had my old card for around 15 years, always paid on time and have great credit rating. Applied for and received new card but queried the new credit limit of £250 (versus my old limited of over £6k !!) just received letter to say my complaint has been rejected and the £250 stands ! Sorry JL but that’s not even enough to do my sainsburys shop ! So I’m off and can’t even be bothered to activate my new card . Think you will come to regret this decision, all you seem to have achieved is to alienate your loyal customer base….. so long ….. Reviewed on: 3rd October 2022

Shame on you. Loyal customer, perfect pay history, credit limit slashed

High earner, long standing customer, regularly spending 10k or more per month on the card and paying off in full. Processed the new application with code provided and got credit limit slashed by 90% to a fraction of typical monthly spend. Pressed cancel and applied online for Amex card. Accepted in seconds with a credit limit more than double the previous JLP limit, plus loads of extra benefits and services besides. Bye, bye JLP & Waitrose. There’s plenty of alternatives out there. Your loss their gain. Shame on you for teaming up with such a low quality company. It’s clear from all these reviews they are not interested in better credit-rated customers who spend a lot of money and pay off their balance, but only those who pay interest, even encouraging payment of the minimum amount which financially costs those customers the most. That will come home to roost when they realise the amount of money spent is a fraction of the amount that HSBC processed (and John Lewis see their sales tumble too) whilst lower credit quality loans are the first to default in a recession- which is looming fast. Reviewed on: 3rd October 2022

This is specifically about the new JL credit card - not JL in general. And it's pants.

It's a mess. If you want to keep your rewards going, you have to switch to this card provided by 'New Day'. As many others have remarked, the website is set up to encourage you only to pay a minimum amount, and thus pay interest. Which, of course, is how credit card companies earn their money, but this is pretty blatant. The website is also inaccurate, and frequently impossible to login. I paid the full amount of my first statement balance; three days later I got an email telling me I had to pay £5 within 6 days. No explanation. I wish I had not taken out this new card, and I will stop using it. I'm really surprised and disappointed at John Lewis getting into bed with such an outfit. Reviewed on: 3rd October 2022

Ageism is illegal

Ageism is illegal around the modern world. But it seems NewDay and John Lewis will take their chances with the law and the Financial Ombudsman. I've written for clarification of my interpretation of the NewDay approach to "responsible lending". At 60+ and now retired since first having the JLP card for many years I'm now surplus to requirements. I have a 999 credit rating and a good pension. I've been refused the replacement card by NewDay. Whereas my son who's in his first low paid job with no real credit history was successful and had his credit limit tripled without even asking. Actually to a level he could never pay back. NewDay are irresponsible lenders and either by design or stupidity have discriminated against aged JLP customers, who will take it personally and not return. In my written exchanges with John Lewis and NewDay, they have both avoided a response with any reference to Ageism. I've made a formal complaint to the Financial Ombudsman as it is illegal to knowingly or indirectly act in a way that financially discriminates. The outcry on t'internet is palpable. This is John Lewis's "Ratners" moment and they appear to have a new slogan... Never Knowingly Going Under. I feel for the "partners". I would bet that JLP will not recover their current staggering seasonal debt by this Christmas and January sales as normal for the sector. Watch this space. I'd guess Dame Sharon White will be needing to take dramatic action early 2023. Clearly the crucial strategy of customer retention doesn't appeal. Reviewed on: 3rd October 2022

free credit period chopped!

The previous HSBC run card wasn't perfect but at least I could get minimum 25 days' free credit. New day only gives 15 days between statement and payment which is a significant reduction in utility and value. Reviewed on: 3rd October 2022

Designed to make you pay the minimum and incur debt

The design of this new app clearly encourages users of the JL card to incur debt as it has minimum payment right in the middle and this doesn’t clear even when you have paid off the debt in full for that month. It would also appear that the usual £99 taken to check viability when buying petrol from Tesco is not removed quickly as in the past. Inevitably this may have to be paid for one month before being returned the following month. This is totally unacceptable. I have been a loyal and long standing customer of John Lewis but now I am seeking another card provider. What a pity for me and others caught in this changeover that no-one requested. Maybe that's what they want. I guess there is no profit in those of us who pay up every month. JL will need to consider this move very carefully if they are not to lose many more customers. Reviewed on: 3rd October 2022

Utter Shammbels

Have been trying for over a week to register the new John Lewis Partnership Credit Card (NewDay), whenever I attempt to register, I get the message 'system currently unavailable. please try again'. After 10+ attempts, I have better things to do with my time and I won't be trying again. M&S here I come. Reviewed on: 3rd October 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

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