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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)

Derisory credit limit

It seems odd that when facing a £100M loss and the fiscal challenges of recession and a cost-of-living crisis, that JLP chooses to alienate its wealthy, loyal customers who manage their credit cards impeccably. I, for one, have had an inexplicable 87% reduction in my credit limit, which is now insufficient to cover even a month of groceries. So I have shifted to spending on my M&S card and Amex (and, I hasten to add, not in JL/Waitrose anymore). Reviewed on: 16th September 2022

Lost it's way

The switching of JLP card from HSBC to Newday seems indicative of the fact the whole John Lewis partnership has lost it's way in recent years. Customer service, once the bedrock of JLP, now takes a back seat to cost cutting. I've even heard staff in store bad mouthing the company and even arguing on the shop floor, in front of customers, suggesting all is far from rosy in the world of JLP. I for one won't be applying for the new credit card and as a consequence will be spending less with John Lewis. Reviewed on: 16th September 2022

new credit card - declined !

Our experience is similar to many here which I find comforting ! turned down for new card as “not eligible” The usual, it seems- previous high credit limit , pay off each month and over seventy and financially secure.. I rang up to try and get an explanation, “You want to register a complaint ?” “No I don’t want to make a complaint.. I just want to try and get explanation” “Can’t do that, sir other than you saying are not eligible.for a card.You would have to make a complaint to find out anymore” “Would you like me to put you through to complaints?” “Well, if it is the only way, yes then” Click … Music plays ….and plays . Speaking to the music ..”Actually, sod you Jl and your stupid card!” I hang up. Reviewed on: 16th September 2022

Won't bother to apply for new John Lewis Partnership card

A few days after getting the letter inviting me to apply for the new Partnership Card I went online and tried to log in to the application site. Could not connect at all. Now, having read all the problems that others have had I will not bother - I can use a different credit card without any difficulties. As a retired academic, on a modest pension, who has always paid off in full every month, I expect I would be rejected anyway. John Lewis is not the store it used to be. Far too much cheap Chinese-made stuff is stocked. I tried to buy one of the Siemens Gigaset cordless phones there recently, because the consumers' magazine Whick? had rated it highly. The staff told me that they no longer sold Gigaset phones. Reviewed on: 16th September 2022

Shocking Customer Experience; Hugely damaging to the John Lewis brand

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

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.

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

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

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.

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

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