John Lewis Partnership credit card review

2 min Read Published: 21 Feb 2024

john lewis partnership cardIn this review we look at the John Lewis Partnership credit card, which offers interest-free offers on purchases and balance transfers but stands out because of the fact cardholders can earn up to 1.25% back in gift vouchers on their spending.

Key facts about the John Lewis Partnership credit card

  • Best for: Those who shop at Waitrose for their weekly groceries and often shop at John Lewis stores.
  • Introductory offer: Interest-free for 6 months on purchases
  • Representative APR: 27.90% variable.
  • Fees: No annual fee
  • Perks: Earn 5 Partnership points for every £4 you spend at John Lewis and Waitrose, 1 point for every £4 spent elsewhere. Every 500 points can be exchanged for a £5 voucher, John Lewis and Waitrose vouchers sent to you 3 times per year.
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Pros of the John Lewis Partnership credit card

  • Earn 5 Partnership points for every £4 you spend at John Lewis and Waitrose.
  • In addition to the points, there are also member offers and discounts available, including luxury travel offers and ticket exclusives.
  • You can add up to three additional cardholders to the account to help boost the total amount of points you earn, although you take responsibility for all spending on the account.

Cons of the John Lewis Partnership credit card

  • It is likely you will only be accepted for the card if you have a good credit score and have an income of more than £6,750 per year.
  • It's unlikely to be good value if you don't often shop at Waitrose or John Lewis.

How to manage your payments on the John Lewis Partnership credit card

Cardholders can manage their account online or by downloading the mobile app.

How to apply for the John Lewis Partnership credit card

Unlike most providers, there isn't an eligibility checker, so applicants need to check the criteria carefully before completing the online application.

Finding the best credit card for you

Comparing different credit cards is a key part of getting the best deal for you. Money to the Masses has helped to simplify this process by partnering with Creditec*, an online comparison service. You do not need to trawl through countless different provider websites hunting for the best cashback or lowest fees, as Creditec’s personalised search results will show you the key details you need to know in one place. Your tailored list will also feature the cards that you are more likely to be accepted for, cutting down the chance of any applications you make being rejected. Your search results are built using a soft credit search, so there will be no damage to your credit score. You can start your search by clicking this link*.

Alternatives to the John Lewis Partnership credit card



If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product.