John Lewis credit card review
What does the John Lewis credit card offer?
Unlike many other credit card providers, John Lewis only offers one deal.
The John Lewis Partnership Card's is a rewards credit card that offers five points for every £4 you spend at John Lewis and Waitrose or one point for every £4 you spend elsewhere. For every 500 points you earn, you'll get £5 in vouchers to spend at John Lewis or Waitrose.
The card has no annual fee, and also offers interest-free spending for the first six months for new customers. It has a 27.9% APR (variable).
How does John Lewis compare to other providers?
John Lewis achieved a solid 71%customer score in our latest credit card provider satisfaction survey – meaning it came joint 10th out of 31 providers, along with Capital One.
- Find out more: visit our best credit card providers guide to read the full survey results and compare John Lewis's customer score with other companies
Is John Lewis a good credit card provider?
Our survey also reveals how John Lewis customers rated it across the following five categories:
| Customer satisfaction category | John Lewis star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review John Lewis to find out more about our research.
Last year the John Lewis credit card was relaunched with a new provider called New Day, but the switchover wasn't very smooth and it faced a string of complaints from existing customers. Despite this, John Lewis still performed strongly for its customer service and application process, with customers giving the brand a four-star rating in both of these areas.
Your John Lewis credit card questions answered
Grace, our credit card expert, answers the top questions people have about John Lewis credit cards.
How do you get a John Lewis credit card?
You can apply for a John Lewis Partnership credit card in a John Lewis or Waitrose store or online. The card will be issued by New Day.
When will you get your John Lewis credit card vouchers?
Vouchers are issued three times a year - February, June and October - and can be used at John Lewis and Waitrose. Vouchers are sent in the post and are issued in multiples of 500 points. Every 500 points entitle you to a £5 voucher.
Does John Lewis offer an eligibility check?
John Lewis offers an eligibility checker on its website that will perform a 'soft search' of your credit file. This won't impact your credit score and will allow you to see your likelihood of being approved before applying.
How we review John Lewis
Here's some more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public, conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
- Find out more: Which? symbols, logos and ratings explained
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer – nobody else. See our statement of editorial independence for more.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.