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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.06 (899 reviews)

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2.06

Based on 899 reviews, last reviewed 22nd Jun 2026

300% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

Problem free credit card Problem free credit card which makes it easy for me to budget my every day expenses without the worry of being saddled with unsustainable debt. Reviewed on: 12th June 2026

Latest lowest rating:

1

Poor customer experience Received a text message to call New Day urgently re suspected fraud when trying to renew my car insurance online and payment was blocked. Immediately... Read more Reviewed on: 22nd June 2026

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About this product

With the John Lewis Partnership credit card, you earn points on eligible purchases to get John Lewis and Waitrose gift cards.

You can check your eligibility in minutes without affecting your credit rating. There are also John Lewis Partnership cardholder offers, prize draws and opportunities to boost your points.

John Lewis Partnership credit card reviews help you find out what it’s really like to be a customer. If you’ve used John Lewis before, you can also leave a review and share your experience.

John Lewis Partnership credit card reviews (899)

Review of the John Lewis, Partnership credit card:

Why change to New Day and lose credibility?

Had a partnership card for over 30 years, always smoothly. Now New Day are involved and I get a letter telling me my emails are not reaching me. Given log in puts me on a black screen with JOHNLEEISCREITCARD.COM in blood letters with links to credit cards that have nothing at all to do with John Lewis cards. Spelling wrong and looks like it’d been done by a hacker or a child. Lost all confidence cut up my card and rang New Day they are hopeless Reviewed on: 8th November 2022

Statement asks me to pay last month's paid bill AGAIN on top of new transactions!!!

Last month I paid my credit card bill in full. So this month's statement shows the previous balance (420.71) and shows the payment received (420.71). Ok so far. Then it gives the new balance, which should be the total of new transactions (405.71) - but it says 826.42!!!!! Then I realised that 826.42 is this month's transactions of 405.71 PLUS last months already paid 420.71. WHAT?!?! I can understand occasional computer glitches but surely they can at least check they have put the right formula in the right box! Needless to say, I haven't been able to get through on the phone and can't message them, so I had to resort to pen & paper.... If I haven't heard anything by the payment date I'll just pay what I know I owe, but they had better not charge me interest on the "remaining" amount that I DON'T OWE...!! Reviewed on: 6th November 2016

Update - a standard letter not worth its postage

Having complained by letter to JLP card on 19 Oct about having a payment rejected and late payment fee and interest imposed, I have finally had a response today. I had very low expectations indeed, so I was not unduly disappointed to get a standard letter with my surname misspelled saying that my "comments are extremely valuable" and that I could expect to hear the results of their investigation "within the next eight weeks". So it's scarcely worth bothering to write to Customer Complaints, the "secure message" system is still down (deliberately, to avoid the deluge of angry complaints?) and those patient enough to endure the long wait get what many here describe as an arrogant brush-off from the telephone call handlers. Bravo, John Lewis! It's hard to imagine how you could have done worse. Reviewed on: 3rd November 2016

Astounding Arrogance

I naïvely thought that I’d been unaffected by the recent John Lewis Partnership credit card debacle until I tried to log on last night to download my month’s transactions. Of course, my logon was rejected. Yes, I received the email about changes but I don’t have enough years left in my life to read the ins and outs of all the routine correspondence that financial service companies love to bombard us with. The arrogance of JLP is astounding. THEY change THEIR systems and want ME to spend MY precious time re-entering data because they can’t be bothered, or don’t have the technical ability, to migrate my existing data. Like most people I have dozens and dozens and dozens of online accounts, of all sorts, ranging from banking to social media; if they all took the approach of JLP, I’d be re-registering from here to eternity! If JLP want me to do their work for them, they should try INCENTIVE NOT DIKTAT! I called JLP customer services and got the same reaction that countless others have reported. The final exchange was — Me: “I will cease using the card until you migrate my data” — JLP representative: “I can tell you that is not going to happen.” Well, John Lewis, let ME tell YOU that I can do without your card, your stores and your over-priced supermarkets – oh – and your arrogance too. Reviewed on: 3rd November 2016

The current Partnership card problems are the worst case of poor customer service I have ever experienced.

I have long used contactless cards for my main bank account, and read that the JLP card was going to be available contactless, (at last!!), so applied for it over 2 weeks ago. The next day I then found that a payment to retailer was declined with my old card. I rang Partnership Card Services was in a Q for over 40 mins, to be told it must be the retailer with a faulty machine, my old card had not been cancelled. Wy wife then went and used the card at Waitrose, it was declined. I rang, the Q was nearly an hour, I was told that yes, the old card had been deactivated as I had ordered a new card! No-one had pre-warned me of this, and I'ver never heard of it before, what are customers supposed to do while they wait for their new card? A few days ago I tried to ring again and gave up after 2 1/4 hours on hold. It is now 18 days since my new card application, I still have no new card and am again trying to get through to the "Support" number to listen to the ever repeating "Unfortunately all our advisors are dealing with other customers....etc" What an an amateurish shambles. Reviewed on: 1st November 2016

MELTDOWN at contact centre Oct2016 - SHAMBOLIC

October 2016 into November: John Lewis Partnership Card (operated by HSBC for John Lewis Financial Services Limited) was a nightmare. Spent well over 3 hours in total, trying to get through to contact centre, no answer. One call over was over 1 hour's wait. No answer. They don't have a system for informing you of your place in the queue. Amateurish. Eventually got through by calling at 03.30AM! Said how much time and money lost trying to get through. No apology. Explained I needed to raise my Credit Limit for 30 days, they asked me to call back, and ask for underwriters, meaning waiting all over again. Some overpaid John Lewis Finance executive(s) decided to change their website and statement layout and get customers to re-apply for their online account, triggering tsunami of calls, putting contact centre into meltdown. Unacceptable. Amateurish. Go to another provider. Reviewed on: 1st November 2016

Terrible service and would not let me report a fraud

I couldn't report fraud on my credit card. John Lewis does not answer the phone or respond to online messages. The old website was terrible and the new one is worse. AVOID JOHN LEWIS Reviewed on: 31st October 2016

GOOD NEWS. FOLKS

I've found a partnership card telephone number that answers within 10 minutes - 03456080764. JL texted me to tell me my account was overdue and asked me to call- I was well aware of late payment on my part having spent hours on the phone and on their new website trying to sort things out. I was told the late payment charge and interest totalling £27 would be refunded as a gesture of goodwill. My own goodwill towards them is gone. I was told the new site is still rejecting some payments and of course mine was one of those. Reviewed on: 31st October 2016

Appalling service from John Lewis partnership card

Have been a loyal and supportive customer of partnership card for many years and frequently extol the advantages to friends and family. Whenever, I have had a query, a phone call to partnership card is quick, the service first class and the query answered. My recent experience with a simple query has been a nightmare. It is impossible to get through on the telephone and the " send a secure message" function on their website is not working. On the site a strap line reads "new site, same service" Well I can assure them that this is not true. How could John Lewis, noted for the quality of its customer services, have allowed this to happen. I am afraid the loss of goodwill will have serious consequences for a store I have held in very high regard. Reviewed on: 31st October 2016

BRAND IMAGE RUINED

Whoever is the senior manager in charge of the partnership card at John Lewis should tender their resignation. This revamp the partnership card is a total mess and was determined without any strategic overview or thorough testing by individuals in the management chain before it went live. Poorly designed webpage for statements with missing information regarding points; paper statement not received 12 days after being available on line. Contact centre overwhelmed and unable to answer calls in less than 45 mins; secure message section of website not working and no other way of making contact with the service centre. If it wasn't for the fact that I like JLP for purchases, and the loyalty points are worth having, I would cancel my card. Reviewed on: 31st October 2016

Total and utter shambles........

Just to add my input......experience resonates with that of the other reviewers. My recent experience has totally undermined brand values I associate with John Lewis. The fact that their system upgrade has gone so badly wrong is not my issue; late payment charge, interest on (supposedly) uncleared balance, adverse flag on credit record and inability to talk to a John Lewis representative is. Contact platform ('phone or letter only) beggars belief in a digital economy. I presume that someone somewhere made a case for the migration on cost reduction - well it's really backfired. The ombudsman should look at this. Reviewed on: 30th October 2016

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