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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

25% increase 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?

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John Lewis Partnership Card reviews (877)

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

Misleading information on hyped up credit card

"The password for your Partnership Card online account has been successfully reset. If you didn’t make this change then please call us on 0345 300 3833, (our lines are open from 7am - 11pm). Calls may be monitored and/or recorded. This email was sent by an automated system, so please don’t reply to it." taken from their email sent to me. However their lines are not open at 7am or even at 7.30am. Their automated message blares out: We are experiencing a high volume of calls? really? at 7.30am on a Sunday morning? Reviewed on: 3rd October 2021

Misleading information

"The password for your Partnership Card online account has been successfully reset. If you didn’t make this change then please call us on 0345 300 3833, (our lines are open from 7am - 11pm). Calls may be monitored and/or recorded." taken from the email sent to me. This email was sent by an automated system, so please don’t reply to it.' the phone number listed is not open from 7am. The first thing the automated message says is: "We are currently experiencing high call volumes" Really? at 7.30 am on a Sunday morning? Pull the other one John Lewis and then the call is cut off. Reviewed on: 3rd October 2021

Avoid

Terrible app, truly one of the worst. Changing payment dates, statements totals don't equal sum of listed items. Reviewed on: 14th September 2021

Unbelievably Poor Service

I never receive a OneTimePassCode from them. My other bank accounts, Amazon etc no problem. I have made numerous complaints. and had a whole variety of excuses. "It must be your phone" no its not I get OTPs from everyone else! "We're not aware of anyone else having this problem" yes you are, other staff have admitted as much! "Its a Mastercard problem - ring them" they know or should know that Mastercard only talk to banks, not members of the public! I have been assured by a member of their fraud team that the problem would not continue if I use my desktop computer. That turned out to be false as well I currently have an escalated complaint with them and will see what happens. If the issue is not resolved I will close the account and take my business elsewhere. Life is too short. With service like this it is no wonder John Lewis is in trouble. Reviewed on: 13th September 2021

Unhelpful

Recently scammed by the CBD gummy scam.what I thought was costing me £69 cost me £217. Partnership card were aware of this scam and although I reported it within an hour they felt it unlikely I would get money back. I blocked my card in case of further scams but wanted to check transactions . After 4 phone calls still unable to access account. Have switched to American Express-what a difference! Reviewed on: 21st August 2021

Admitted they mislead me

Been a loyal and faithful customer for over 15 years. After taking a payment break which they advised me to do after I lost my job. When I made the first payment after the break and having secured a new role they advised me all was ok with the account but still sent a default notice which effected my credit card account. I took them to the FCA where they admitted their mistake but couldn’t reverse the notice. I won damages but it does not make up for the stress and now damage to my credit rating. Avoid this company and taking this card. Reviewed on: 16th July 2021

Terrible Service

Had terrible problems getting this card working- several wasted trips to the shop and several calls being left on hold for 15/20 minutes at a time. Avoid Reviewed on: 14th July 2021

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