Smart Money People Logo
Go to business site
Share this page
Link copied

John Lewis: Partnership Card reviews

View other John Lewis products
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
See only 5 star reviews
5%
See only 4 star reviews
1%
See only 3 star reviews
2%
See only 2 star reviews
4%
See only 1 star reviews
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
carol cheshire's avatar
carol cheshire

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
Long term customer's avatar
Long term customer
Read all reviews Write a review

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.


Smart Money People is the UK's leading financial services review and insight hub. Together, we can make financial services work better for everyone.

Review John Lewis: Partnership Card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review

John Lewis Partnership Card reviews (877)

Refuse a card

1
Unbelievable credit card company, sent everything that they wanted, tax returns, bank statements, passport. And still not enough, what more , doctor or solicitors sign letter, so my shopping at john lewis is a no no. Paul Reviewed on: 8th May 2018
Paul Furness's avatar
Paul Furness

Good cashback, but poor customer service

4
The card gives good cashback, but the credit limit I was given is ludicrously low (only £3500, when I have other cards in five figures) and if I pay of part of the month's spending in advance they deduct that from my monthly direct debit, leaving me with less leeway than I had anticipated. I want to clear the card every month in order to start the next month with a full £3500 available to me, but they make it difficult to do that! Reviewed on: 9th April 2018
MollyR's avatar
MollyR

John Lewis

5
Quality products. Trusted retailer Reviewed on: 9th April 2018
Tara Clover's avatar
Tara Clover

Almost hilarious how appalling this company is ...

1
I was sent a promotional leaflet for this card (I shop in Waitrose several times a week). I thought I would apply - I like Waitrose and John Lewis. I tried 5 times to apply online - apparently they had problems. They recommended I 'guess' where the tick box was on the web page and try to tick it to accept the t&c's! In the end I telephoned them and applied that way. That was on 14 February 2018. It is now 19 March 2018 and they've just sent me an email saying they've processed the application! I can't access the decision online because I can no longer remember my 'memorable word'! As a result I called - my application is apparently approved (not a surprise). But because I can't remember my memorable word, the only option is for them to send me a legal agreement ... by post! I can't imagine what they have by way of IT facility - but it's truly shocking. I thought Nat West were bad. And they are. But this lot are actually a laughing stock! John Lewis, you are in serious reputational danger. Reviewed on: 19th March 2018
Anonymous, London's avatar
Anonymous, London

Issued resolved ...............

2
After 42 days and 6 attempts/requests/staff intervention for a replacement card. Adequate compensation given and points added for “lost” shopping. Still be wary though of 0% offers, read the t and c’s carefully and avoid a secondary issue I encountered. If you have to similar interests rates runnng on the card JL deduct your payments from the oldest first. Eg, I took out an introductory 0% 18 month balance transfer and then made purchases using the 9 month 0% deal for new customers. It was only when I started making payments to them that I noticed only the longer 18 month deal balance was falling. On reading the conditions, I soon found out why. LESSON: do not take out a balance transfer as a new customer and then shop with the card, also on the same interest rate. My 18 month deal, has effectively become on 9 months now, if I wish to avoid charges, lucky I didn’t take out anything near the maximum balance transfer my credit limit would allow. John Lewis have been very underhand in my opinion even offering this combined deal, without any warning of the consequences of using the card, firstly to transfer a balance and then shop with the card. If I had say, transferred £5000, on the 18 month deal, then shopped another £4000, on the 9 month deal, I would be expecting, as I made payments into the account, for the shopping spend to fall first as it was on a lesser “time” deal. Instead, to avoid any charges, I would have needed to repay the full £9000 in 9 months!!! as the balance transfer is the “older” and therefore takes your payments first. What a con, regardless in the t and c’s!!!!!!!!!!! Reviewed on: 26th February 2018
Mike O'shea's avatar
Mike O'shea

I would also check out "trust pilot" reviews!!!!

1
What a shambles of a company! Do not apply for this card if (a) you might loose your card, (b) have an apostrophe in your name, and (c) want to take advantage of the 0% balance transfer deal and use the card for purchases using an introductory 0% deal. I lost my card, it is now 6 weeks later and still no replacement. Their system has been unable to work out how to send out a replacement because it does not recognise “apostrophes”. Many, many calls and promises that the fault has now been understood and overcome, but still no card. How I got the original card I do not know. I took advantage of a 0% 18 month balance transfer deal and then made purchases using the introductory 0% 9 month on purchases deal. I had not understood how the deals sat with each other until I discovered that if you have similar interest rates, then the older one gets paid off first. So as I made monthly payments, only the older balance transfer total was being reduced. John Lewis have been deducting credits from the 18 month deal first, as I took this out first. Therefore in practice, as soon as I made a purchase my 18 month deal fell to 9 months. My fault for not reading the t and c’s fully, but who does. They should make this situation much clearer. I took a £1000 balance transfer and then spent £1500 on the card, meaning now I have to pay off the full amount in 9 months, if I wish to avoid any charges. What a total con! Lucky I didn’t take a larger balance transfer. PS : It is now 40 days, and still no new card, no one in this company seems to know what they are doing. Reviewed on: 19th February 2018
Mike O'shea's avatar
Mike O'shea

Good company, good deal

5
Happy to support an ethical company and get rewards at the same time. Reviewed on: 23rd January 2018
Mark Dean Brown's avatar
Mark Dean Brown

Still no app!

2
I used to use this card as my main credit card, but keeping on top of spend and statements isn't as easy as it is with other cards - because there is STILL no app. Have asked several times and each time I'm told it's "on its way". Two years later - nothing Reviewed on: 23rd November 2017
Anonymous's avatar
Anonymous

no problems, happy customer

5
WE love that we earn JL vouchers for using our partnership card. Have never had any problems with it either. Reviewed on: 20th November 2017
Rebecca Beesley's avatar
Rebecca Beesley

Great rewards

5
We use this card for everything and pay it off each month in full. For that you get great reward vouchers. I've always had great customer service too Reviewed on: 15th November 2017
Mark leachman's avatar
Mark leachman

Review John Lewis: Partnership Card now

Help others make smarter decisions by sharing your own experience.
Give a 1 star rating Give a 2 star rating Give a 3 star rating Give a 4 star rating Give a 5 star rating
Write a review
Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account
Man on beach

News, guides and insight from our team

View resource hub
UK money news stories - 24 July 2024
UK money news stories - 24 July 2024
24th July 2024
Posted in Money Talks by Errolyn Smith
Your Money, Your Voice: Have your say
Your Money, Your Voice: Have your say
24th July 2024
Posted in Our insights by Errolyn Smith
Our latest research - customers see little impact of FCA's Consumer Duty one year on
Our latest research - customers see little impact of FCA's Consumer Duty one year on
24th July 2024
Posted in Our insights by Darryl Barkwill
Consumer credit awards winners 2024
Consumer credit awards winners 2024
11th July 2024
Posted in Awards by Darryl Barkwill