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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?

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)

This will mean a hit on your credit score

If you apply for the 'new' card JL will mean a 'hit' on your credit score even if you are turned down. If your credit score is important to you, do think twice. I won't be bothering. Reviewed on: 27th August 2022

Terrible

Received a letter from John Lewis partnership card asking me to apply for a new card. I went through the eligibility steps and my application was declined! I've had a partnership card for over 15yrs and have no debts. I phoned the number on the website, I waited in a queue for 15 minutes only to be told there was nothing they could do and that I should appeal in writing. Terrible service. Reviewed on: 27th August 2022

I will not be applying to the NewDay credit card.JL has lost the plot and do not deserve loyalty.

I have been a loyal customer for over 45 years and now will avoid JL . They have not taken into consideration their older loyal customers and will deserve the fallout of their disastrous decision to change their financial credit card. Reviewed on: 26th August 2022

Declined new card

Despite originally having held a John Lewis store card for Caleys Windsor which was then transferred to a Partnership Card in 2004 and never having missed any payments, I have been declined a new card by New Day when the current one ends in October. Clearly loyalty means nothing any longer. Obviously as a retired person they don’t need my custom. Reviewed on: 26th August 2022

John Lewis kills customer loyalty in one stroke - its Ratner Moment

After 30 loyal years with the Partnership Card (having started with a Peter Jones one) I am now told my custom is no longer wanted. Declined for the NewDay card, likely due to my retired status - despite substantial pension income - and the habit of paying in full each month. No interest income for them then, so they are not interested. So no longer will I buy a significant weekly shop from Waitrose or order from John Lewis. Reviewed on: 26th August 2022

Closure of Partnership card - more than disappointing

I've had a JL Partnership card for many years. I use it to pay for everything, from day to day food shopping to holidays and big-ticket items like furnishings. I clear the balance in full every month. JL are now taking this away and requiring me to apply from scratch for an inferior card (fewer credit free days) at a time when I will be unable to secure anything like the credit limit I previously had, despite being comfortably able to pay. It seems from other reviews here that I am not alone in this - I'll bet there are thousands of JL customers who are recently retired, or taking a break or switched to self-employment who are perfectly able to manage their credit limits but will be refused the new card, or given a derisory credit limit. This is an unexpected and unfair situation. On the basis of the number of people being refused, I'm not going to waste my credit search on NewDay. Reviewed on: 26th August 2022

How to annoy customers

Got approved for new card, told I could use the account immediately, tried to order usual weekly shop, night before delivery, told declined - payment refused. Called phone number provided and got the order re-instated using old card. Trying to decide whether just use another card for Waitrose shop or tell John Lewis to get lost. Reviewed on: 26th August 2022

The best case of how to damage your brand overnight

JL card holder for 30 years. Taken year off to build house but household income substantial. Been offered £250 limit from £10,000. Can't even buy weekly food shop with that limit. Complained and told my limit would be reviewed. Week later and no review. Unbelievable how absolutely terrible this change has been handled. Amir Goshtai, Director of John Lewis Financial Services should be fired for irreputable damaging JL brand. I'm apoplecticly angry how they can treat loyal customers in this way. Reviewed on: 26th August 2022

Applied with unique card ...declined

Dreadful experience. Git my unique number, entered it, and got declined at first stage. I work full time, earn 50k, always pay balance...Why!! Rang up, 25 minute wait to be told i have to write to Newday?? I am livid. I cant even email!! I have to write a letter to enquire why they declined!! I have now applied for barclaycard which i will never use in john lewis or waitrose ever again. Angry in Cambridge!! Reviewed on: 25th August 2022

Irrational reduction in credit limit

I have applied today for the new JL card. My application was successful but my credit limit has been reduced from £17,000 to £5,000. I have held my JL card for 25 years and have an impeccable credit record and a substantial income. I have lodged a complaint, but if my limit is not restored in full I shall not be using the JL card. This is another case of John Lewis shooting themselves in the foot ( withdrawal of free coffees etc ) Reviewed on: 25th August 2022

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