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John Lewis: Partnership Card 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
See only 5 star reviews
5%
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1%
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2%
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4%
See only 1 star reviews
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
Mr N's avatar
Mr N

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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David M
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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 (890)

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

Annoyed and very disappointed with JL

1
I have had a JL Card since it was George Henry Lee in Liverpool then It changed to a JL Partnership card. I applied for the new card, as requested, and it was declined. I pay the balance in full every month on time, I have just bought all my kitchen appliances from you and I buy all my groceries from Waitrose so I am afraid JL you have lost me as a loyal customer. Worst of all there is no explanation for the new card being declined. Reviewed on: 10th September 2022
Lyndsay's avatar
Lyndsay

Company values

1
JL&W seem to have lost the plot recently. We have had a JL credit card for many years. We recently applied for a new as requested. We were rejected, something that has never happened before. No explanation. Our situation - assets of mid single figure millions, cash in bank six figure sum, annual income six figures. What has happened? We’re now seriously considering moving to either M&S food or Ocado as the quality of Waitrose fresh food has fallen. Reviewed on: 10th September 2022
Melvin's avatar
Melvin

Appalling service

1
Like everyone else I have had to apply for a new card,but as I don't possess a mobile phone( I'm 84) I was informed that I could not have one. I now have one from American Express with no trouble at all. Reviewed on: 10th September 2022
Albert Russell's avatar
Albert Russell

Dark NewDay for John Lewis

1
I have been allowed a Newday Partnership card but with my previous credit limit halved. This despite many years of operating my J L account in an exemplary fashion, (admittedly not in a way that provided any interest income for HSBC - balance paid in full each month). This also despite a personal Experian credit rating of 996 out of 999. I concur with many others, I suspect ageism is in play here, I am 72 but with a decent pension income made up of two full state pensions and monthly drawdown from a substantial pot of personal pension investments and Isas. The credit limit they have allowed will not work for me, although over the past 18 months I would only have exceeded it on three occasions, I felt the extra confidence the higher limit provided was very valuable, especially in the event of an emergency when travelling abroad. I have not used the NewDay card yet and based on some of the horror stories I have read on the web I am reluctant to start doing so. Time for a new card provider I think, and alternate retail outlets to John Lewis and Waitrose. What a shame. Reviewed on: 10th September 2022
Peter Davis's avatar
Peter Davis

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