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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (877 reviews)

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1.33

Based on 877 reviews, last reviewed 14th Oct 2025

100% decrease in 5 star reviews

in the past 90 days

20% decrease in 1 star reviews

in the past 90 days

88%

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

Latest lowest rating:

1

Uncompetitive time to pay John Lewis Mastercard have a significantly shorter period between bill date and payment date. So much for never knowingly undersold. Spivy and mean mi... Read more Reviewed on: 14th October 2025

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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 (877)

Leaving me stuffed on holiday

Literally just before I'm about to go on holiday, I received a call to tell me they've blocked my card as it's been compromised but are unable to provide me with a new card for 7 working days. I even offered to go and collect the new card. All the representative would say to me "I completely understand but there's nothing I can do". They can't get it to me any faster and won't let me collect it. Thanks a lot John Lewis. I've been a customer for over 20 years but I'll be taking my business elsewhere after this Reviewed on: 30th June 2022

Hopeless J Lewis

When trying to buy online my Mastercard gets rejected. By four separate companies. I rang JL and was told it was not them but the other companies systems. These are companies I have successfully used many times before. When I used my debit card it worked perfectly. As I said hopeless John Lewis Reviewed on: 22nd June 2022

Customer support

Abysmal audio connection quality to customer support, after yet another flagged transaction. Reviewed on: 16th June 2022

Impossible to obtain any reliable information from Customer Service

New Partnership card received and activated 17.05.22 along with the card reader. Had problems with the initial use of the card reader when purchasing a small TV from John Lewis the end of last week. I had to resort to ringing customer service who processed the order. On 6th June I used my card to pay two small amounts to local suppliers in person, in both cases my card was blocked.I had to use my debit card to pay. Rang customer services and was advised that as my card had been blocked, I should go into a branch of HSBC and could unblock it at an ATM. andl that was the only way to unblock the card. I bank with HSBC and visited a local branch, and was advised that they could not do this, as the credit card operation was completely separate from other HSBC functions, and they would not share information with the bank network. This was a total waste of time and erroneous information provided by the Customer Service Representative (Mustafa) who I spoke to. He appeared to try and help, he told me that this was the only way to unblock the card. I was then told that a new pin number would be sent to me, even though I said I knew my number, the assumption was that I had forgotten it. The pin arrived on Saturday 11th June; it is the same number as I had previously. I tried to use the card today and had a message to use my card reader, I put the card in as requested, but when I put in my PIN, it was immediately blocked. I logged onto the John Lewis Financial Services web page and followed the instructions, only to be told that they did not recognise my details. Strange that I had received my statement a few days previously with a bill for over one thousand pounds due to be paid by 28.06.22 which will be paid, but am seriously considering cutting up the card. I have been a loyal John Lewis customer for many years and have had their credit card for some time with no problems, it is only since the revised credit checks have come in that problems have arisen. Local mobile signals are poor in this area and it seems that rural dwellers are being discriminated against. To be told when I try to log onto to my account that they cannot recognise my details is somewhat strange, when I have just had my statement in the post. I appreciate J.Lewis are changing their credit card supplier, but this mess cannot go on for much longer Reviewed on: 13th June 2022

Hopeless,

I've had a couple of texts with a OTP to use on an online purchase. However I've not attempted to make a purchase. Texts come on usual Johnlewisfs number and look genuine. Message said call them if not recognised. So I did. They claim its a scam. I don't believe them as there is no way a scammer could benefit. This has happened twice and each time I get the same from JL. Patronising to say the least. I've asked for a new card, but I think.i should dump.them. Possible good news is that JL is switching from MBNA later this year. Reviewed on: 11th June 2022

Unbelievably Inefficient

Transactions pending suddenly had over 21 payments to an American company plus various for Apple Pay. I don't shop in America and don't use Apple Pay. Card blocked a new one arrived after a week. Activate new card, try to use in to pay £4.20 in the post office, card was "declined". Rang JL to be told the card had been blocked on 28th May. I didn't receive the new card until the 1st June so why was a new, inactive card blocked?! The card was in bloc but within 30 mins of it being activated there were 11 fraudulent pending payments...how was that even possible? So, no credit card since 26th May...what an appalling company. I wish I could speak to someone in the UK, not someone in a call centre on the other side of the world, and someone who has English as their first language... Reviewed on: 9th June 2022

Big problem with their new credit card security system

Have been using the Partnership credit card for years. In the last few weeks, numerous problems with their security system. Online purchases ( concert tickets, pharmacy purchases, I tunes, everything online really) have been problematic. When I try to purchase online, the vendor says my card has been declined. When I called JL to ask why my card has been blocked, they say it isn’t blocked. Frankly, I’ve just given up and started using another credit card and my debit card instead. If you can’t rely on a credit card when you’re well inside your limit, what is the point of having it? I think I will pay my balance and close down the card. Shame really, I’ve been a customer for years. Reviewed on: 22nd May 2022

Won't accept payment on credit card

Made a couple of large purchases using the JL credit card, want to pay it off in full, every time says payment is declined. I had more than enough money in my current account to cover it. Contacted my bank, they say the issue is at JL end....this has been going on since Thursday! This also happened a couple of months ago, seems to be linked to their change of credit service provider Reviewed on: 21st May 2022

Useless

My earlier review reported that I am intermittently unable to log into my Partnership card account, because it is falsely claimed that my 'details do not match' their 'records', This is now invariable. I am unable to investigate fraud on my account because I cannot see the transactions. Reviewed on: 18th May 2022

Worse fraud protection customer services ever

Appallingly bad customer services. 2 days to unblock a card that triggered a security alert. Endless repetitive security questions to verify my ID... question after question. Ask for impossible to remember details about transaction dates and amounts. Their weekend staff are even worse. Avoid this card you could be stuck with a non working one in a difficult situation. Reviewed on: 9th May 2022

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