A reasonable amount of cashback and good customer service when rarely required. The customer 'offers' are a bit useless.

Reliable, accepted everywhere, and points for spending

I've always found them very helpful when I have had a query. Also I like the rewards programme.

Very helpful and affordable. Gives you peace of mind

Customer service is shocking. A distinct lack of ANY rewards for points earned. You call to say you have recieved zero vouchers depite clocking up... Customer service is shocking. A distinct lack of ANY rewards for points earned. You call to say you have recieved zero vouchers depite clocking up over £25 worth, you're promised they will be re issued but will take a month to get to you??!! You wait, you wait some more and 'shock horror' NOTHING arrives. What on earth are JL doing having a partnership card that serves no purpose or benefit what so ever. Stress as no one cares, stress as you are owed something but nothing arrives. Sorry to say it's one BIG pack of lies from JL as you will get zero vouchers, zero help, zero answers. Read more Read less

The ritual for paying the credit card bill is crazy. Make it more simple, fewer steps. IT INHIBITS ME FROM USING THE J LEWIS CC.

The problem is it's NOT run by John Lewis. They are using 'NewDay Ltd' who are detrimental to the John Lewis brand. We recently had... The problem is it's NOT run by John Lewis. They are using 'NewDay Ltd' who are detrimental to the John Lewis brand. We recently had some attempted fraud take place on our credit card account (one main and one additional card holder) - to the tune of around £3k. We detected the fraud (not the card company). It was a weekend, and the fraud phone line was closed (it is not 24 hours a day which seems a massive oversight for fraud). Similarly their chat was closed. Our only option was to freeze the cards via the App and live with no cards for the weekend. First thing on the Monday morning, we rang the phone line and the cards were cancelled. My husband got new card details and was told his card would immediately work in his google wallet. It didn't. We waited 10 days (because they refused to send new cards first class), and lo and behold, once he physically received the card and activated it his google wallet worked. My card was activated, worked online but doesn't work in physical shops. They have no idea why. They can't resurrect it and we've had to declare it damaged to get a new one. I will have to wait another 10 days to get a new card. If that wasn't bad enough... We had made a purchase of around £400 before we identified the fraud on our cards. This purchase was subsequently sent back for a refund. In the time between making a purchase and the return being received at the retailer, we had our cards cancelled. The retailer only had the original card number. We have just spent about 30 minutes on the phone with NewDay - first we spoke to customer services. They said they could see an attempt at a refund, but the refund was blocked because the cards were blocked. They said we needed to speak to the Fraud Department. We spoke to the Fraud Department. The person we spoke to went and got some advice from a colleague and told us we had to give the retailer a new card number so they could make a refund onto a card which was not the one we paid with. We stated that this is not possible - it's a marker of fraud and money laundering and is generally not allowed. She insisted. We insisted she speak to a Manager. She spoke to another colleague. Came back and told us the same thing. That we needed to ask the retailer to refund the money onto a different card. We insisted that's not the correct way to do it. We also mentioned that if we don't get a refund from the retailer that they, as the creditor are liable to refund us (when you buy on a credit card, the credit card company AND the retailer are jointly liable in UK consumer law). Finally someone else came on the phone and said that she was correct - that the retailer was using the wrong refund method. We pointed out that this is NOT what she said. And also NOT what apparently 2 colleagues said. This person also said that the Fraud team shouldn't be dealing with this question and it's a customer services question. We pointed out that we spoke to customer services and they told us to ring the Fraud team. This is the most contradictory and unhelpful 'service' I've had in a long while and taints the John Lewis brand. It seems like there is a complete lack of understanding of any process and corners are being cut in not providing 24 hour access and refusal to send cards first class. THIS IS NOT THE LEVEL OF SERVICE THAT SHOULD BE ASSOCIATED WITH JOHN LEWIS - BE WARNED. If I worked for John Lewis I would be horrified that such a good brand is being tainted by shoddy service. Unsurprisingly, we are now looking to move to an alternative card supplier that has decent customer service. Read more Read less

High interest although you gain points using your credit card whilst shopping in John Lewis

I would avoid at all costs. They will do anything to avoid paying out.