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John Lewis: Partnership Card reviews

Name: Partnership Card
Rating: 1.33 (874 reviews)

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1.34

Based on 874 reviews, last reviewed 25th Jul 2025

100% increase 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

Terrible Customer Service and Fraud Support We have had a fraud claim on out account since May 2025, we have made 5 calls to try and get this resolved, spoken to 4 different Customer Service age... Read more Reviewed on: 25th July 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?

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John Lewis Partnership Card reviews (874)

Unable to login both app and PC due to over complicated security

I have used the John Lewis Partnership Card for a number of years, but over recent months it has become almost impossible to login to either the mobile web app. One is locked out after several attempts with either entering PIN or password and contacting customer service has been a negative experience, as they always say I'm keying information incorrectly, which I am not. The login has become over-complicated. I am at the point of cancelling my card because I now cannot view my transactions, download statements. Extremely frustrated and very disappointed! Reviewed on: 10th February 2022

Section 75 under the Consumer Credit Act

I made a claim to John Lewis finance in April 2021 under the Section 75 Consumer Credit Act because I had paid a deposit for a holiday in a chalet in France. Under their terms of sale of the company, if we were unable to access the resort due to exceptional circumstances (Covid 19) it says they would refund our deposit. We were in lockdown in the UK so we were prohibited from travelling abroad. The French company has repeatedly refused to refund our deposit which was all documented and sent to John Lewis along with a request to claim back my £950. John Lewis refused. I wrote back sending copies of the Conditions of Sale and they did not even bother to answer. I then re sent the letter in August by registered delivery so I know it was delivered and still no reply over 5 months later. John Lewis make it impossible to deal with any problems because you cannot email or speak to anyone in the department that deals with these claims but only write. Leave this credit card well alone. There are so many decent companies out there so my advice is use any one of them but avoid John Lewis. Judging by the terrible reviews I am not the only one to have received quite appalling service. Reviewed on: 10th January 2022

App

The App upgrade in early Nov 21 does not work and I know have to log on via a tablet \ PC to view my account. Moreover, I cannot authenticate on line purchases so cannot use my card onIine. Have tried contacting the call centre several times and went round the in circles with the automated call direction, I left several messages which they did reply to telling me ring the centre. Two months on and no indication of when the app will be fixed? So New Year, New Credit Card me thinks! Reviewed on: 31st December 2021

complete mayhem of admin

I have a credit card with them for the last 15 years or so, the last 2-3 years has been completely shambolic right from call connection quality through to their Card security administration which appears to be running in an ‘outsourced’ model. It looks like the trust is on HSBC to get things right at the expense of their own brand value Reviewed on: 19th December 2021

terrible app and online portal

I'm about to look for another card as it is a nightmare to log in online. Reviewed on: 14th December 2021

Where are the One Time Passwords?

I'm now unable to view my account via internet or phone because, however often the website claims to have sent a one time code, I have yet to receive one. It is clear I am not the only one. I would reluctantly go back to paper statements but that would mean being in a phone queue for several hours. I suspect the long queue of people waiting on the phone are experiencing the same problem. It is time John Lewis recognised it had a technical problem and did something about it. Reviewed on: 29th October 2021

Contadiction

I have wasted whole afternoons - on one occasion talking to four different advisers in succession - trying to resolve a nonsense, I am locked out of my online account because, allegedly, the details provided do not match their records, Yet in the telephone conversations every last piece of information has been confirmed as correct. The advisers say there is nothing they can do, I shall (the vouchers one earns notwithstanding) be cancelling my card. Reviewed on: 24th October 2021

My payments keep continually getting declined despite health credit on account

Since Friday I have experienced 5 declined payments - all very small sums of money despite having a large credit on the account . I have been on the phone numerous times to get the card unblocked . Each time I ask why the customer care team can’t give me an answer and say they can’t guarantee it won’t happen again. I received an email tonight saying a payment for £10 has been declined . As I use my card for all payments I can’t confirm like this . I will look for another provider and this has made me so angry I will no longer support JL with any figure purchases (previously have bought all our white goods, furniture etc). As JL can’t get their act together over this they deserve to be consigned to the retailing rubbish bin Reviewed on: 19th October 2021

Credit Card - Total waste of time!

Applied for credit card (I was attracted by the rewards offer), accepted immediately, arrived three days later. Activated it online straightaway as you normally would. Card still not working three days later - call up and am then told they will take 3 working days to go through credit checks before I can use the card!!! What on earth was the point of my application and acceptance? Card absolutely no use, wanted it for a purchase, now need to cancel the card as there is no point in keeping such a ridiculous card that has been a total waste of time. JLF you should have said card tentatively accepted, pending credit checks and you should never have sent me a card I could not use. I've never known another financial provider send out a card that could not be used. Reviewed on: 12th October 2021

Complete incompetence

I have been trying to obtain an OTP - One Time Passcode to access my account. Three weeks have passed and still not OTP. has been received. Mobile phone with BT technology have investgated and they state that there is no evidence of John Lewis attempting to send the OTP, despite approximately 30 attempts to obtain it. I contacted John Lewis again, and suggested that we use an old Vodafone mobile number, and gave them that number, which they show as recorded on their website. I was told that it would take 24 hours for the new number to register with John Lewis. 24 hours have passed, and I have made a further five attempts using Vodafone, and am now locked out, and no OTP has come through. John Lewis customer service are now telling me that it takes 24 hours for the OTP to arrive. This is contrary to the information given previously, when I was told that the OTP would arrive in a matter of seconds. I have just spoken with customer service again, and they say they will sort it out and call me back. I asked to speak with a John Lewis executive/supervisor with no result. Neither the FOS nor the Consumer Helpline are of assistance, and I have been referred to a legal entity.. As the situation stands now, I have no access to my account and John Lewis flatly refuses to give access without the OTP. Consequently, I have absolutely no control or access to my account with John Lewis. This is unacceptable and appallingly bad service. One cannot get beyond customer service reps, who are probably located outside the UK and are trained to deal only with routine matters. They are very apologetic, but are very limited in the manner in which they can be of any real assistance. John Lewis appears to be abdicating all responsibility for their incompetence and leaving it to their Customer Service reps to take calls with no involvement on the part of upper level management. Reviewed on: 12th October 2021

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