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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:

JLP and Newday in cahoots.

Told I'm ineligible - despite >50 years loyal JLP customer, 5 figure credit limit and score excellent - I have after communications with JLP managers concluded that this oust has been orchestrated by JLP. From sources including JLP and Newday websites,, I speculate: JL stores are in financial difficulty, currently supported by Waitrose itself on the brink. It’s not that JLP doesn't want higher spending loyal customers, it sure does; but what it wants is custom that doesn’t sap profits.    With the HBSC JL Partnership card, each £1 spent qualifies for a point, whose number depends upon whether spent at JL and/or W or elsewhere. The more elsewhere the less JLP gets the more it costs JLP. I think it used to be one point for every £1 spent in JLP, two for every £1 elsewhere. Nowadays for some eligible purchases at JL and W 5 points for every £4 spent; and for other eligible purchases at JL and W 1 point for every £4; 1 point for every £4 spent elsewhere. Fewer vouchers for spending elsewhere is not a deterrent. For example, if a card-holder with £5,000 credit limit spends £4000 a month elsewhere then JLP issues vouchers. Vouchers can only be used in JL or W but it doesn't follow the purchase price has to exceed the vouchers value. A cardholder could amass a substantial sum in vouchers without having spent a penny at JL or W. When using vouchers to buy in JL or W not have to buy anything involving any extra payment for the difference between the vouchers and price. JLP would make a loss. JLP says that over the last five years £230m has been issued in vouchers. How much of approximately £126,000 a day average has gone to customers that haven't paid JLP anything. By enlisting Newday to either render higher credit limit existing Partnership cardholders ineligible or where the applicant is eligible a substantially lower limit JLP is reducing the value of vouchers issued. JLP is probably getting a share of any interest paid by new card-holders and paying a lower commission on receivables (transaction sales). JLP I suspect envisages that where an existing Partnership cardholder is rejected that person would obtain a desired credit limit from another card provider and continue to buy from JL/W whenever. Whether enough existing Partnership cardholders would want to continue loyal to JLP is a separate issue. A JLP partner qualifying for discount told me that for most goods and services there are cheaper deals elsewhere. Not a deposit-taker Newday hasn't any revenue beyond credit cards. It borrows to re-lend, loan note interest between 2% and 6+% a year - with interest rates rising costs will go up: for how much longer its business is sustainable is anyone's guess. To finance JLP's transaction, Newday has taken out a loan of £650M. Any cardholder paying the whole balance monthly is getting an interest-free loan from the date of purchase to balance payment date - if you time it carefully then up to 45 days - so for that reason alone an existing JL Partnership cardholder is ineligible. Newday plans to float shares on the stock market next year so boosting the number of cardholders is to impress shareholders. A £5000 credit limit to one card holder (unlikely to pay interest) is akin to £500 limit to 10 card holders (likely to pay some interest). The net proceeds of a stock market float (rumoured capitalisation £2.5Bn) would provide a injection of interest-free cash. The sad part is that JLP could increase its profit margin and number of loyal customers without having to resort to destroying long-term customer relationships with JLP. Instead of the vouchers issued regardless of where a JL Partnership cardholder spends, the vouchers should be linked to the myJohnLewis and myWaitrose cards. Show or scan a my-card before paying and have the voucher value credited to the my-card - and since printing on paper is costly to administer, to issue every JL and W customer a my-card which can be produced by the customer at the check-out for credit and debit with the points/voucher value. Reviewed on: 5th September 2022

Great for Waitrose customers

Great if you shop at Waitrose and John Lewis Reviewed on: 24th May 2024

As an ex JL employee, I was confident that moving to...

As an ex JL employee, I was confident that moving to the New Day card would be easy and didn’t anticipate any problems- how wrong I was…Constant issues with making payments on the app, the latest being adding a new payment card showing as a Mastercard when it’s a Visa card. That doesn’t give me confidence, I’m moving back to HSBC credit card. Reviewed on: 28th March 2024

It is alarming reading these reviews.

It is alarming reading these reviews. I joined basically for the vouchers. Must admit thought the joining instructions were hard to follow and I had to ring helpline for clarity which was surprising. Been a member about three months and the only problem I’ve found so far is that it can take a few days or more for transactions to show up in the app, especially credits when you return goods in person and it’s put back on your card in the shop. . Also when you pay the balance online it doesn’t show up for days and days. So you can’t see an accurate balance most of the time and it is stressful wondering if it will appear. I’ll give it a bit longer before I give up but this time lag is a bit worrying Reviewed on: 25th March 2024

Fair offer and good promotion on products

Fair offer and good promotion on products Reviewed on: 14th March 2024

Beautiful products.

Beautiful products. Large variety off products. Easy to get to. Reviewed on: 16th February 2024

Avoid this card at all costs they have lost my £500...

Avoid this card at all costs they have lost my £500 payment which was done via their App. Newday only seem capable of answering questions from there script,and basically say its not their problem despite the money clearly going into their bank account.What are John Lewis doing getting involved with this bunch of cowboys! Reviewed on: 22nd January 2024

Lost a payment £1200 October 23 still not received r...

Lost a payment £1200 October 23 still not received refund absolute nightmare to deal by no means get this credit card you be sorry you been warned Reviewed on: 17th January 2024

Locked/ unlocked/locked ad infinitum

Is the worst credit card I have ever used. Do NOT use Reviewed on: 29th December 2023

Unlock account

It says unlocked when logging in account locked, round and round again and again Reviewed on: 24th December 2023

remember Never knowingly undersold?

John Lewis change card provider to New Day and now their interest rate on partnership card increased to 27.9%. HSBC have upped their rate to 18.9% (too high), Halifax 22.9% (so can't recommend) Metro Bank 14.9% (they claim this is a low rate. I don't agree)' Just a bit better than most! I now understand why John Lewis has dropped there claims of being competitive and suggest their recent poor performance is due to this kind of poor management decisions' Sems to me the banks have found a way of squeezing a bit more out of those in the UK who might need a bit of credit in the current drop in living standards. Perhaps the government will encourage the return of 100% plus payday loans so those who have sufficient can get a bit more at the expense of those have not.. Reviewed on: 1st December 2023

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