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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)

Review of the John Lewis, Partnership Card:

JLP and Newday in cahoots.

Told I'm ineligible - despite >50 years loyal JLP customer, 5 figure credit limit and score excellent - I have after communications with JLP managers concluded that this oust has been orchestrated by JLP. From sources including JLP and Newday websites,, I speculate: JL stores are in financial difficulty, currently supported by Waitrose itself on the brink. It’s not that JLP doesn't want higher spending loyal customers, it sure does; but what it wants is custom that doesn’t sap profits.    With the HBSC JL Partnership card, each £1 spent qualifies for a point, whose number depends upon whether spent at JL and/or W or elsewhere. The more elsewhere the less JLP gets the more it costs JLP. I think it used to be one point for every £1 spent in JLP, two for every £1 elsewhere. Nowadays for some eligible purchases at JL and W 5 points for every £4 spent; and for other eligible purchases at JL and W 1 point for every £4; 1 point for every £4 spent elsewhere. Fewer vouchers for spending elsewhere is not a deterrent. For example, if a card-holder with £5,000 credit limit spends £4000 a month elsewhere then JLP issues vouchers. Vouchers can only be used in JL or W but it doesn't follow the purchase price has to exceed the vouchers value. A cardholder could amass a substantial sum in vouchers without having spent a penny at JL or W. When using vouchers to buy in JL or W not have to buy anything involving any extra payment for the difference between the vouchers and price. JLP would make a loss. JLP says that over the last five years £230m has been issued in vouchers. How much of approximately £126,000 a day average has gone to customers that haven't paid JLP anything. By enlisting Newday to either render higher credit limit existing Partnership cardholders ineligible or where the applicant is eligible a substantially lower limit JLP is reducing the value of vouchers issued. JLP is probably getting a share of any interest paid by new card-holders and paying a lower commission on receivables (transaction sales). JLP I suspect envisages that where an existing Partnership cardholder is rejected that person would obtain a desired credit limit from another card provider and continue to buy from JL/W whenever. Whether enough existing Partnership cardholders would want to continue loyal to JLP is a separate issue. A JLP partner qualifying for discount told me that for most goods and services there are cheaper deals elsewhere. Not a deposit-taker Newday hasn't any revenue beyond credit cards. It borrows to re-lend, loan note interest between 2% and 6+% a year - with interest rates rising costs will go up: for how much longer its business is sustainable is anyone's guess. To finance JLP's transaction, Newday has taken out a loan of £650M. Any cardholder paying the whole balance monthly is getting an interest-free loan from the date of purchase to balance payment date - if you time it carefully then up to 45 days - so for that reason alone an existing JL Partnership cardholder is ineligible. Newday plans to float shares on the stock market next year so boosting the number of cardholders is to impress shareholders. A £5000 credit limit to one card holder (unlikely to pay interest) is akin to £500 limit to 10 card holders (likely to pay some interest). The net proceeds of a stock market float (rumoured capitalisation £2.5Bn) would provide a injection of interest-free cash. The sad part is that JLP could increase its profit margin and number of loyal customers without having to resort to destroying long-term customer relationships with JLP. Instead of the vouchers issued regardless of where a JL Partnership cardholder spends, the vouchers should be linked to the myJohnLewis and myWaitrose cards. Show or scan a my-card before paying and have the voucher value credited to the my-card - and since printing on paper is costly to administer, to issue every JL and W customer a my-card which can be produced by the customer at the check-out for credit and debit with the points/voucher value. Reviewed on: 5th September 2022

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

No Apple Pay but good rewards.

Very happy with my JL card over the years, but surely no excuse for them dragging their heels and missing their stated targets for introducing Apple Pay. Come on JL - we're in the Digital Age and you're not keeping up, and not providing this popular service to your customers. Reviewed on: 26th July 2017

great rewards on this card

We love putting our spending on this credit card because we pay it off each month and benefit from the points which get converted to john lewis vouchers which i then use at waitrose for my groceries. It's almost like getting cash back. Service has always been pretty good. Once struggled to get through on phone but once you speak to them they are helpful. Reviewed on: 19th June 2017

No Apple Pay

It is so disappointing that Apple Pay is still not available. Reviewed on: 9th June 2017

Always simple and rewards

I rarely have a problem but when I did they sorted it out quickly, said sorry and gave a good will gesture. The card comes with 0.5% cashback in the form of vouchers (or 1% if card used at John Lewis) Reviewed on: 9th June 2017

Customer service slow to respond

Good points system, but customer service very slow to respond via telephone or website. Good service if you have the time to go into their store. Reviewed on: 8th June 2017

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