John Lewis Partnership credit card – how to apply

John Lewis announced in 2022 that it was relaunching its Partnership credit card with the credit provider NewDay. As a result, existing John Lewis Partnership credit cards became inactive at 6pm on 31st October 2022. We explained what this meant for you if you were an existing John Lewis Partnership account holder.

You can read our full, independent John Lewis Partnership credit card review for more information.

What changes are being made to the John Lewis Partnership credit card?

John Lewis is launching a new Partnership credit card as its credit provider has changed to NewDay from its previous provider, HSBC. The same benefits and rewards as you spend are available but as the credit provider has changed you will need to reapply if you would like to continue using your John Lewis Partnership card.

John Lewis Partnership credit card key features

The new John Lewis Partnership credit card with NewDay has the following key features:

• Introductory offer of £40 in vouchers to spend at John Lewis and Waitrose when you open a Partnership credit card by 8 January 2024 and spend a minimum of £250 on eligible purchases at John Lewis and Waitrose within 90 days of account opening
• Collect reward points as you spend (Earn 5 points for every £4 spent at John Lewis and Waitrose and earn 1 point for every £4 spent worldwide where your Mastercard is accepted)
• Redeem the rewards as gift vouchers (Earn a £5 voucher for every 500 points you earn)
• John Lewis credit card app
• Can be added to Apple and Google Pay
• Add up to three additional cardholders to your account
• Exclusive offers for cardholders
• Freeze your card if it is lost or stolen
• Charges 21.9% APR representative (variable)

We have more information in our full, independent John Lewis Partnership credit card review.

How are existing John Lewis Partnership credit card holders affected?

If you are an existing John Lewis Partnership cardholder you will need to reapply for the credit card as your current John Lewis Partnership credit card will be unavailable for you to use from 6pm on 31st October 2022. If you do not wish to continue using your John Lewis Partnership credit card, you will not be able to use your credit card from the end of October, but you will still be responsible for clearing any remaining balance on the card and will therefore need to continue to make any repayments until you have cleared the balance. You won't be able to use your card for any purchases from 6pm on 31st October 2022.

What happens to my existing Partnership card balance?

If you apply for a new John Lewis Partnership credit card before the 31st December 2022 your existing balance will be transferred onto your new card. If you decide you do not want to open a new account, the balance will remain on your existing card and you will need to continue paying this off until the balance is zero.

Do I still get to use my loyalty points?

You can still earn loyalty points on your current John Lewis Partnership card up until 31st October 2022 when your card will no longer work. Once your account has been closed you can still keep your loyalty points and if you have met the 500-point threshold required to receive a voucher, you will still receive this in October. If you have less than 500 points and open a new John Lewis Partnership credit card, these will be transferred onto your new card but if you do not open a new card the points will be lost.

How to close your existing John Lewis Partnership credit card

Your existing John Lewis Partnership credit card will close automatically on 1st November 2022 if the balance is £0. However, if your account carries a balance, your card can no longer be used for spending (from 31st October 2022) but your account will be kept open until the balance has been repaid. If your balance is zero and you would like to close your credit card account with John Lewis prior to 1st November 2022, you can do so by calling 0345 300 3833.

When is the new John Lewis Partnership credit card available?

Existing customers

Existing John Lewis credit card holders are now being invited to sign up for a NewDay John Lewis Partnership card via email or letter. The correspondence will contain a unique sign-up code that you will need for your application. If you have not yet received the correspondence, you can still apply for the card, but you may have to input additional details in the sign-up process. If you are an existing John Lewis credit card account holder, you will need to apply for the Partnership card by 31st December 2022 to be recognised as an existing customer and to benefit from the sign-up offer. You can apply for the new John Lewis Partnership card on the John Lewis website.

New customers

The new John Lewis Partnership credit card is available now and you can earn up to 3.75 x points towards John Lewis Gift vouchers on eligible spending for the first 90 days. Click here to read more.

To apply for a new John Lewis Partnership credit card you must:

• Have 12 months address history (UK)
• Have an email address and UK mobile number
• Be aged 18 or over

Alternatives to the John Lewis Partnership credit card

There are numerous reward credit cards available on the market and it is best to shop around to see if you are getting the best deal. In our article, we summarise some of the 'best rewards credit cards in the UK' but below we compare reward credit cards for John Lewis, M&S and HSBC.

Reward credit card	APR	Annual fee	Rewards rate	What is each reward worth?
John Lewis Partnership	27.9% (variable)	£0	Earn 5 points for every £4 spent at John Lewis and Waitrose and earn 1 point for every £4 spent worldwide where your Mastercard is accepted.	500 points = £5 voucher
M&S Rewards	23.9%	£0	2 points for every £1 spent in M&S in the first year, 1 point in subsequent years 1 point for every £5 spent elsewhere.	100 points = £1 M&S voucher
HSBC Rewards	23.9%	£0	1 point for every £5 spent on the card	100 points = £1

Which credit card is best for you?

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