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John Lewis: Partnership Card reviews

1.33
Based on 876 reviews, last reviewed 25th Sep 2025
100% decrease in 5 star reviews
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Latest highest rating:

5

had a partnership card for years now. had a partnership card for years now. love the rewards vouchers on spends and the points you are awarded for using their credit card which i normally ... Read more Reviewed on: 12th June 2025
carol cheshire's avatar
carol cheshire

Latest lowest rating:

1

If your phone is stolen, you cannot verify anything. I had my phone and card stolen, to cancel your card you need your phone... to do anything, you need your phone. So then decided to used the chat servi... Read more Reviewed on: 25th September 2025
Lexee's avatar
Lexee

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 (876)

Shocking Customer Experience; Hugely damaging to the John Lewis brand

1
Whatever lay behind John Lewis’ decision to switch from HSBC to NewDay, is causing untold damage to the brand. All the reviews here plus my own experience of being refused a new card when I am a homeowner, with a good salary and no outstanding balance only suggests that there are other motives at play here and the FCA should be taking a very strong look at both NewDay and John Lewis from a Treating Customers Fairly perspective. As others have commented this impacts customer loyalty and I have already applied for another card from a similar retailer still using HSBC. Reviewed on: 16th September 2022

JOHN LEWIS NEW CREDIT CARD SHAMEFUL DISASTER

1
I have been a JLF credit card holder for over 40 years and living in close proximity to both a store and Waitrose, have used their card minimally once a week. I have built up a very generous credit limit, allowing me to purchase many expensive items (TV, washing machine, fridge/freezer etc) all in one transaction. I have found their customer service exemplary for decades. Sadly, they have now moved with the times in the totally wrong direction and their loyal customers have become irrelevant and surplus to their requirements. I too received a ‘flyer’ to apply for a new card with NewDay, a simple process that would take a few minutes. It has taken me a whole day, both online and several phone calls to both John Lewis and NewDay to find that my limit wasn’t reduced but my application declined outright. I have to say it was a relief to see that so many loyal customers were in the same predicament and it has ‘nothing to do with John Lewis, it’s totally, completely out of their hands’!!! REALLY JOHN LEWIS?? I too will be taking my custom elsewhere, along with (hopefully) thousands of others. Reviewed on: 16th September 2022

Useless card. Useless service.

1
For years we’ve used our JLP card without problem and cleared our balance each month. Now JLP have moved their service provider because, presumably, they’ve been offered a better deal. Having to reapply for a card was bad enough but to be offered a derisory limit, less than 10% of our existing, is an insult. It’s time JLP shaped up and took action to look after their customers or this customer will be voting with his feet. What a shame they used to be such a good company! Reviewed on: 15th September 2022

App not working on new credit card

1
Had no problem with old credit card for 7 years. Have had new card for 7 days. Unreliable, latest problem app not working. Will probably switch to an M and S credit card, if they don’t sort out problems quickly. Reviewed on: 15th September 2022

Useless new partnership card

1
Despite listing Sainsbury as an approved on line supplier have had to verify every transaction and today had my payment refused. Extremely annoying and will not be using this card any time soon. Total rubbish Reviewed on: 15th September 2022

JLF Do Not Care About Us.

1
We have had a Partnership Card for many years without defaulting on any payments , Like others we were "invited" to apply for the new one through New Day. It was declined. I contacted JLF and was told that this was happening a lot and to re-apply in a short while. When I tried to do this, it wouldn't let me. I rang what turned out to be New Day and was told that they couldn't understand why I was told to re-apply because once you were declined, that was it. I complained to JLF, received a bog standard reply saying that they understood my concerns and to contact New Day! I spoke to JLF on the phone and they said that it was all out of their control because JLplc had made the decision to go with New Day and it was them that are now making all the decisions and there was nothing that they could do about it. I was told that JLP were ready for a backlash, but were prepared to sacrifice the more mature section of their customers in the hope of attracting younger buyers. Obviously JL do not give a damn about long-term customers so my days of shopping there are over. Absolutely no real empathy for the distress that this ill-thought out decision has caused......basically "it's nothing to do with us"....it's New Day. If you have no control over this card, then take your name off it!! Reviewed on: 15th September 2022

You Aren't Missing Anything

1
I managed to get a new JL/NewDay card - issued at a 20% reduction in credit limit. Using it, however, is beyond frustrating. Every single online transaction is being processed with an additional One Time Password text check. Every single transaction, including retailers that I am using several times per week and have added to the so called ' Trusted Retailers' white list for the account. I attempted to raise the issue with support and was disconnected. Frankly it is just not a John Lewis experience and I expect more. This card will be cut up and closed. I do all my shopping online and as it is, this is unusable. Reviewed on: 14th September 2022

New card refusal - too old

1
Been refused the new card, don’t know why, painful process to try and find out why with no success. New Day gave me £40 for the pain I went through to try and complain. My guess is refused due to pension insufficient (no account of savings, past payment credibility, credit score, etc though), all adds up to being too old to qualify. Reviewed on: 14th September 2022

John Lewis bank chaos

1
Made a routine payment on our JL partnership card in time and with enough funds, but unknown to us this remained uncleared and in fact we found just now o. Receiving the next bill telling us we were in default (!).and on asking our bank found it had been repaid 2 days later by NewDays bank without any notification. No information from John Lewis about any new payment arrangements and we assumed we just paid our bill as before. We've been passed around phone numbers like a parcel and no one seems to want to deal with it. New day are the partnership cards new credit providers and evidently their bank cannot field routine payments handed over from previous bankers HSBC. What a shambles. Reviewed on: 14th September 2022

Own goal

1
Relieved to find I am not alone in being told I'm not eligible to transfer to the new partnership card. Reading the reviews I can see I fall into the same bracket of being a long standing loyal customer, good income, over 60, pays on time, and high credit limit. I can only conclude New Day are only interested in interest payments and John Lewis willing to take the risk of losing their core loyal customer base - I am now no longer one of them. Reviewed on: 14th September 2022

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