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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.

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John Lewis Partnership credit card reviews (899)

Appalling service

I settle my Partnership Card balance every month but although my October payment left my bank account on 6 October it did not appear on my JohnLewis statement until 20 October. In between I made several attempts to phone, tried emailing and finally sent letter by recorded delivery. In the meantime I have been charged £12 late payment fee plus interest charges. Yesterday I received a letter stating that I had defaulted on my Credit Card Agreement with John Lewis because I had failed to make a payment on time. I have contacted my bank, HSBC, who also happen to be John Lewis's bank too! They assured me that John Lewis had my payment as soon as it left my account so where it went for fourteen days I don't know. The bank gave me a unique reference number that proves my payment was sent on 6 October. Words fail me with the amount of incompetence shown by this company who I have always supported. Well John Lewis, guess what? This loyal customer of many years is leaving and no amount of apologies or compensation will change my mind. The stress and anxiety this is causing me is unbelievable. People, vote with your feet - leave this company, they don't deserve our custom! Reviewed on: 23rd October 2016

appalling cust experience - card deactivated because JLFS unable to accept payment

my bank advised me payment was unable to be made to JLFS. I rang the bank and they tried again. Not possible. Rang JLFS and was advised they had an issue, I should wait until next bill and deduct any interest or other charges that might have automatically been added. 10 days later my & my wife's cards are inactivated. Rang JLFS and was told i was misinformed earlier and that card was inactive due to non payment. Payment taken over phone but cards 'can only be reactivated 48hrs later'. Not much use to travelling wife. Goodbye JLFS. Reviewed on: 22nd October 2016

Credit card Shambles as payment rejected and card locked

Went shopping this morning only to have my JL partnership card rejected. Wasted journey and disappointed family. Contacted call centre and waited nearly an hour for a response to be told that my payment hadn't been received. Turned out that it had been returned by their system. No credit until Monday as payment cannot be made until. Basically we are very sorry and no mention of compensation. I will be looking for a new credit card provider as soon as I get a chance. Such poor service. Reviewed on: 22nd October 2016

New Website launch is embarrassing

new credit card website, launched, can't log in and pay my bill. I'm told I have to re-register. So what's happened to by details? have they been lost in the upgrade, in which case how secure is this application, it's feels like it's been carried out by some third party in haste, to meet a contract. I'm not using this card any more, you don't get two chances with on-line finance. Reviewed on: 20th October 2016

A mess of their own making

JLP card has undergone a disastrous revamp which makes it no longer recommendable. Like others here, my monthly payment for 12th October was rejected by JLP but I was not informed that this had happened - I found out on the following Sunday in a routine check of my current account. Two attempts to pay manually while online were rejected with messages to contact the recipient. I then discovered that the website was closed and all I received was an error message 6006 telling me to contact Customer Services by phone immediately. After a total of over an hour that night and next morning listening to a recording asking me to hold the line, I rang my bank. Fortunately, they answered immediately and were very helpful. Having registered with JLP's new "improved" site, I find that I still cannot send them a message, but that I have been charged a flat fee for late payment and interest on the outstanding balance. JLP should not have made alterations to their system for accepting payments without warning their customers; they should have in place a way of notifying people whose payments have been rejected; they should not close down their website without warning; but if nevertheless they think it's a great idea to do all of this all at once they should at least ensure that they have a telephone service capable of handling the predictably huge number of calls. It's astonishing that a company which prides itself on serving its customers well (and spending megabucks on sentimental Christmas adverts) should have made so many basic mistakes which employing a reasonably competent IT specialist could have prevented . Reviewed on: 19th October 2016

Absolutely no acknowledgement of problem

My full payment made before due date on 12th oct bounced back, and did;t realise for a couple of days by which time £12 late payment charge and £19 interest had been added to my total. Didn't know there was problem, tried to pay again, bounced back again. Spent practically all of Monday 17th on phone - no joy. No message on phone saying they're aware of problems. So have written letter to them, to be signed for. Await their response. Reviewed on: 18th October 2016

very poor communication

over a week now since the disastrous upgrade and still unable to access my account and absolutely no indication of when the problems will be sorted.Call centre is overwhelmed so do not bother to try and contact Reviewed on: 17th October 2016

New website but little quality control

Logged into the John Lewis Partnership card website to review current status of my transactions and was surprised to find that they had launched a new site and I had to re-register. My first reaction was that, as I had not been notified of the change, was I somehow being redirected to a dodgy site by a scammer. On establishing that this was not the case I created a login and entered the new site. Not particularly impressed with the results, can see little that has changed which is beneficial and my first major concern is that when reviewing current transactions the total amount has disappeared. So you need to have a calculator to hand to identify what is your current total owed this statement period. Now there is a backward step. So, fairly quickly two major concerns on how this release was managed.... Communication and testing. With any new product there must be communication in advance with the target audience to explain what is changing, why it is changing and what the benefits are (otherwise why change it). Any new functionality needs rigorous testing before being released into the outside world. Having been an IT Manager for over 20 years I would have been slated for something like this with by a client base of hundreds, JL have a potential base of millions. Having read the other reviews on difficulties with registering and logging in I believe that they need a thorough review of their processes or risk losing customers. Reviewed on: 16th October 2016

What's happening John Lewis? You are losing loyal customers fast. Woeful service today!

25 minutes to get through to the first person. Then passed on to another person which took another 10 minute. Couldn't process my payment so ended up having a block put on my card. Now spending my afternoon trying to get it unblocked by my bank (12 on hold so far...) so I can try to make a payment online to avoid having to call JL again... Reviewed on: 15th October 2016

Online site

I have rung 5 times since Monday October 10th. The total time I have been on hold is more than 3 hours. That means that I've heard the message, "Unfortunately, all our advisors are dealing with other customers at present. Please hold the line and your call will be answered as soon as possible," about 400 times! Between this repeated announcement I hear discordant, dreadful 'music'. My problem is still unresolved after 6 days and I can't log on. Reviewed on: 15th October 2016

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