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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)

Almost hilarious how appalling this company is ...

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

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

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

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

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

Good company, good deal

Happy to support an ethical company and get rewards at the same time. Reviewed on: 23rd January 2018

Still no app!

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

no problems, happy customer

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

Great rewards

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

Long winded and inefficient

Having been advised in store to get a card and save on a major purchase, we waited for over two hours. They did give us a cup of tea and a piece of cake though. Once I had the card they failed to send me a statement which I was eager to receive and pay off. Having made a series of phone calls and been given conflicting information I was eventually allowed to pay the full amount and two days later I received the outstanding balance saying the full amount was due. More telephone calls, more incorrect information. Eventually everything was sorted but I don’t think I’ll be using the John Lewis card again, any time soon. Reviewed on: 7th November 2017

Good Rewards.. poor customer service

Good rewards, although the £20 incentive voucher they offered to sign up never materialized. Online customer service appalling. I contacted them the see if the direct debit had been set up, they confirmed it had, it didn't get taken out the next month, then they said it had never been set up, I sent the paperwork off for the second time, then over a month later was charged £11 for late payment, as the direct debit still hadn't been set up. When this was questioned, the response was along the lines of, this isn't probably the response you hoped for, but the DD hadn't yet gone through and therefore you were late in paying hence the fee. In addition, we've been asking about Apple Pay since taking the card, and the response is a continual 'we're working on it'. When I asked in store, the employee said they don't have any plans to accept or roll out Apple Pay with the partnership card. Reviewed on: 6th September 2017

Good rewards, dreadful website & no Apple Pay or App

After using this card regularly for several years I've started to seriously question whether to look elsewhere. The rewards in John Lewis vouchers are half what they were when I signed up, but are to date still the main reason I have stayed. However the promised Apple Pay & Apps have seen launch dates come and go for over 12 months.To add one more nail to this coffin I also wonder if the website security is the reason I had 2 apparent attempts at fraudulent activity on my account earlier this year. These were resolved, but did take a lot of time. Reviewed on: 1st August 2017

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