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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)

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

Customer Service agent did not have a clue what he was doing.

I had a wrong booking from JL Financials / HSBC on my credit card. Instead of a notification that my 0% period had ended, by making both a debit and a credit booking that would cancel each other out, they booked a charge of £10 twice, leaving me having to pay £20 for the notification that I hadn't asked for. The customer service agent, working from home in Cairo in Egypt, had to talk to his supervision several times, and after 38 minutes of trying stuff, he still didn't know how to resolve this. When I asked to speak to a supervisor or a more experienced colleague, he initially said they were not available, even where he had been talking to them several times. Only after I threatened with a formal complain to both JL Partnership and th HSBC, was it suddenly possible to talk to the manager. At leat that is what he said. Some 20 mintues later and a full hour into the call, I gave up and hung up the phone. Next steps: formal complaint to HSBC (of which John Lewis Financial Services is a subsidary) and to John Lewis Partnership, whose brand is being used on this credit card. Reviewed on: 29th April 2022

Rejected chargeback claim

JL rejected my claim, saying they don’t cover bad quality of service. My claim was not about bad quality, it was about a service that was not as described, and therefore in breach of contract. Absolutely useless, would not recommend using their card. I will be closing my account. Reviewed on: 20th April 2022

Refused chargeback claim

I was advised to submit a claim online. I did this but it only allowed me to upload 4 documents. After not receiving any kind of notification about the claim, I called them a couple of weeks later to be told they had rejected my claim. They had classed it as ‘bad quality service’ not being covered. My dispute was not about ‘bad quality service’. My claim was about a service received that was not as described and clearly in breach of the contract. Would not recommend using this card - they are absolutely useless. Reviewed on: 20th April 2022

Outrageous and despicable behaviour

Tried to purchase online order this mondayonly to Tried to purchase some items on line and after completing details and using partnership card it was declined ! This started a long and exceedingly stressful saga. I was told security would have to phone me as they did not know reason card blocked ! They could not unblock card ! Day 3 no phone call from security ! If this was my only credit card imagine the consequences. You cannot block someone’s credit card without informing them the reason why. DO NOT GET A JOHN LEWIS CREDIT CARD. It will let you down and will go unresolved ! Reviewed on: 6th April 2022

Disappointed in John Lewis Credit Card

The card is run by HSBC bank and the customers services for it is now outsourced to Cairo in Egypt, This is very disappointing. How can JL pretend that the card is related to their UK Business. I don't want to talk to people in other countries about my finances. I am going to finish with the card. Reviewed on: 6th April 2022

Professional, competent, reliable

Never had any problems with John Lewis; good company Reviewed on: 4th April 2022

What has happened to JL

Just in the last week every time I make a purchase I get a call from fraud services. I refuse to give the unexpected caller my details but then that means I have to go through another queue with someone who refuses to put me through until they’ve updated my contact details despite me telling them I did it yesterday and the day before. When I eventually speak to someone they are so passive aggressive it takes all my self control to not lose my temper. All in all spectacularly awful service. Reviewed on: 26th March 2022

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