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John Lewis: Partnership credit card reviews

Name: Partnership credit card
Rating: 2.08 (907 reviews)

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2.08

Based on 907 reviews, last reviewed 19th Sep 2026

67% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

87%

Latest highest rating:

5

I am happy I am happy to share my experience about John Lewis credit card. It's amazing and they provide high credit. Good service. Excellent app. Reviewed on: 14th July 2026

Latest lowest rating:

1

Appalling customer service I have been holding a John Lewis credit card for about 30 years. The transition to Newday has been catastrophic. It is clear that they cannot manage o... Read more Reviewed on: 19th September 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 (907)

Review of the John Lewis, Partnership credit 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

Is this the worst credit card provider in the world?

John Lewis’s decision to save money in switching its card service provision to Newday must rank as one of the worst corporate decisions among a seemingly never-ending litany of the most dreadful self-induced acts of corporate self-destruction. Newday is surely the Fawlty Towers of the financial world, although this constitutes a disservice to John Cleese, while Andrew Sachs’ Manuel was more helpful and customer-friendly than Newday’s telephone assistants. Please, somebody tell me that this is all a John Lewis joke that has misfired, and that we will all eventually return to the comfort blanket of HSBC in its guise as the JLP card service provider. Ps we really should be able to allocate ‘no stars’ as ‘1 star’ suggests that the incompetent Newday is at least getting something right….which it is not! Reviewed on: 2nd September 2023

Not even a one star service

Been a loyal JL cardholder for many years. Just tried to renew with NewDay. Application sent me round in circles so I rang their helpline. Only to discover it's defunct and there's no alternative number. Total joke. Reviewed on: 1st September 2023

'NEW DAY FRAUD DEPARTMENT': terrible, terrible service - an absolute joke...

Like SO many other John Lewis customers I have been a contented JL credit card-holder for many years, but the day you decided to change management to these New Day people was a very dark day indeed. During their tenure I have had a several dire and inefficient encounters with them over many months - even though I clear the full amount of my expenditure in full each month - and now their Fraud Department has accused me of having authorised a fraudulent item on my statement. My first concern had been to instigate an immediate block on my card, as it was obvious to me that 'someone out there' had scammed my card details and knew how to make it look like I was authorising their use of it. I reported the fraud and expected an immediate block to be put on future use of my card, but then had to chase them a day later before this was done. I know I did not make any purchase from this ‘business-to-business' electrical company* in Montpellier, France, but because I noticed an item on my statement that was not one of mine and asked for it to be investigated I understand my own credit rating may now suffer as a result. * Sonepar is an independent family-owned company with global market leadership in B-to-B distribution of electrical products, solutions and related services. To call themselves a bank is one of the funniest jokes I’ve heard in a while - they are most certainly not worthy of the label. If I had had <any> residual doubts about giving up my JL credit card, 'New Day' have done a marvellous job of disabusing me of any such doubt. App deleted, card snipped in two, Halifax card en route. Reviewed on: 31st August 2023

Can I give a multi-minus star rating? Just so very bad!!!

Please John Lewis, find another provider - the move to New Day was such a bad decision. So many, many reasons why this provider is inappropriate for your customer base, but here's a few: - credit card contactless rarely works which is inconvenient - we clear our balance monthly and have no debts whatsoever, but can't get a credit small increase because 2 of us are on the same account to gain more points, and no one will tell us why - their business focuses on lending to lower income customers, which isn't our profile or that of many JL customers I imagine I used the JL credit card for many, many years when HSBC was the provider and it was a really positive experience ... PLEASE rethink your choice of provider JL, before we have to leave your financial services for other, more customer-focused, providers Reviewed on: 27th August 2023

Shockingly Bad

I have been a loyal JL cardholder for as long as I can recall. I attempted to switch to NewDay in May and my application has been in limbo since. New Day claims that 'my credit history' needs to expire my application, which is improbable and bizarre. Meanwhile, I am unable to progress my application. John Lewis, what have you done? What a shambles! Reviewed on: 25th August 2023

A kind and friendly service

Always ready to help with any queries while offering a professional service Reviewed on: 25th August 2023

Rubbish New Day Back office nitwits... what a shame

I think Sir Michael and John Hourican, a level headed Irishman, should know about the internal process of succesful integration of an ancient John Lewis member in NewDay After applying for an increased limit my account got blocked Retired treasurer of one of the world's largest banks, Experian score of 999 and very wealthy indeed ????? Wake up gents Reviewed on: 22nd August 2023

I think I have been scammed but John Lewis Partnership won't do anything about it as I am not the account holder

My husband is at work, not contactable, and is the main card holder. We have different cards. I think I have used my card in a scam, but John Lewis can do nothing about it without speaking to him. They asked when they could speak to him and I said about 6pm tonight and they were "sorry they could do nothing more". Reviewed on: 15th August 2023

New Day the new supplier is dreadful

Customer service is poor, the card is not reliable and the app fails - the old supplier with John Lewis was great, but since moving to New Day it is terrible - use someone else Reviewed on: 11th August 2023

Poor Reward Vouchers Issues

Whilst I like the card and the fact that you receive reward vouchers once a quarter after that months statement is produced. You wait and wait and nothing arrives. Cal Customer services and they say I have to wait 28 days. I wait 28 days and they say oh...wait a while longer....three months pass and they finally agree that hey had an issue sending out he vouchers. replacement vouchers arrive and a promise that this was a one off. June 14 my latest points are redeemed and I wait and wait. Call the same person to be told I have to wait 28 days.....the call I made was 45 days after and then told to wait another week....still no vouchers. Now they are supposedly raising another complaint.....me thinks they have issues. Also,JL press to be so good environmental...but rather than sending e vouchers they print off paper vouchers, attach a separate letter and put in an envelope, then get them delivered to Royal Mail, then they drive to my house in a diesel van {I live in a rural area} not what I would call environmentaly friendly!!! Reviewed on: 2nd August 2023

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