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John Lewis: Partnership Card reviews

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1.34
Based on 874 reviews, last reviewed 25th Jul 2025
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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
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carol cheshire

Latest lowest rating:

1

Terrible Customer Service and Fraud Support We have had a fraud claim on out account since May 2025, we have made 5 calls to try and get this resolved, spoken to 4 different Customer Service age... Read more Reviewed on: 25th July 2025
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Mike C
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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?

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 (874)

Get an M&S Credit Card instead

1
Like other long standing JLP Partnership Card customers I have been upset with the replacement card offer from New Day on behalf of JLP. Biggest issue for me is the estimated credit limit is half of what I spend per month on the existing card and the interest free credit period is reducing fron 55 to 46 days. So I've applied for a received a M&S card (managed by HSBC). They have a good promotional offer on just now, no doubt timed to attract those like me who feel let down by JLP. Reviewed on: 13th September 2022
Roy Murray's avatar
Roy Murray

Credit card renewal - a massive own goal with loyal customers

1
Just joined the mass of people who are 100% home owners, always pay on time, reliable income, zero debt and have been a JLP/Waitrose customer for years. Credit card renewal refused without any reason provided. This is incredibly poor, and our immediate reaction is to cease all purchases from JLP and Waitrose as a result. Somehow JLP has managed to turn advocates into detractors, what a master stroke when economic times require customer retention Reviewed on: 13th September 2022
Andrew's avatar
Andrew

Loyal customers are no longer considered to be profitable enough

1
Like many others I was rejected for my new card despite an excellent credit score. Reading the reviews it seems that those that pay off their card in full are generally being rejected or given such low credit limits that it makes no sense to go ahead with the card. If you are a loyal good payer, you should look somewhere else. Amex is a good option at the moment. Reviewed on: 12th September 2022
Roger's avatar
Roger

Another long standing customer told to get lost...

1
Looks like we are in good company in being rejected by JLP for the new card they "invited" us to apply for. Own house outright, no debts, good joint income, >1k spend on card for over 10yrs always paid off in full, sounds like every other recent review. Plus I already called their "specialist support team" who seemed keen to get me off the phone ASAP, told me there was nothing they could do, and outright lied to me multiple times. JLP said of the previous card provider, HSBC, "our strategic business goals and theirs have changed" - presumably JLP said they planned to **** off their financially secure customers with a recession on the way and instead court those who don't have money and need to borrow more at high APRs, and HSBC said something like "are you guys complete idiots?" [spoiler: "Yes"]. Time to spend all those "saved for something nice" vouchers, they won't be worth much when JLP goes bust. Reviewed on: 12th September 2022
anotheruniqueusername's avatar
anotheruniqueusername

Frustrated and insulted

1
I am somewhat relieved to learn that I am not alone in being rejected for a new John Lewis card, however, I am rather incensed given that I have been a loyal customer since the outset. Obviously having assets and paying off my bill each week means I am not worthy of a new card! Thank you. Reviewed on: 12th September 2022
Lucy's avatar
Lucy

Rejected

1
I have held a JL card since the beginning, always paid off the whole amount each month and own my own house. Yet I was rejected for the new card - disgusted. JL will be losing a lot of previously loyal customers. Reviewed on: 12th September 2022
TH's avatar
TH

Shocked

1
I have held a John Lewis credit card for many years, have a credit limit of nearly 8K, paid off my credit card completely each month, own my own home outright - yet have been turned down by the new finance company - disgusted! Reviewed on: 12th September 2022
Christine Hughes's avatar
Christine Hughes

Rejected for new JL credit card

1
I have had a JL partnership card for years with a £7000 limit. I was rejected just recently when I applied for their New Day card. I have never gone over my limit and always paid in full my credit card bill each month. I own my own house with no mortgage etc etc. I wonder if they only want customers who don't pay in full. Very disappointed with JL Reviewed on: 12th September 2022
MTC's avatar
MTC

Credit limit slashed 97% with nice to New Day

1
We've been loyal customers of John Lewis for decades and have had a JL credit card for many years with an £8k limit - always paying the balance. I'm in a very high inches bracket with an excellent credit score. Yet with the move to New Day, or card limit has been reduced to £250. So the message is clear that JL don't want us to use the credit card. We tried to get the king raised but we're just told to complain. Our response is simply not to use the card and not to shop at John Lewis anymore. The company has clearly shown how little it values us as long-standing loyal customers. Reviewed on: 11th September 2022
Simon Clinch's avatar
Simon Clinch

Rejected for new JL credit card

1
My wife was rejected by Newday for the new JL credit card. Similar experience to others in that we are financially secure, good income, good credit score and always paid off balance in full. We decided not to even bother complaining or querying why. It was actually quicker to apply to a new card provider than waste time querying the decision with Newday. We’ve now gone for a cash back credit card that provides better returns than the old Partnership card due to our annual spend. We will now also shop around rather than shop almost exclusively at Waitrose. Initially we were very annoyed to be dumped as a customer given our previous support for JL but the silver lining is it that this will certainly be money saving for us. Don’t bother complaining just go elsewhere. In our experience JL is not the organisation it once was. Reviewed on: 11th September 2022
Rob's avatar
Rob

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