Credit card companies: John Lewis credit card review


Customer score

1st out of 32 credit card providers


John Lewis credit card

A top scorer in almost every Which? credit card satisfaction survey since 2010, John Lewis retains a comfortable lead in our table - getting top marks for service in several areas. However, while it will appeal to John Lewis and Waitrose shoppers for its rewards scheme, has a 0% balance transfer deal (six months) and a better than average rate for purchases (16.9% APR) - it wasn't quite competitive enough in any of its features to earn our WRP icon.

John Lewis Partnership credit card highlights

  • You can earn rewards points when you shop, redeemable as John Lewis and Waitrose vouchers.
  • Excellent for service
  • 0% balance transfer deal

To find out how it compares, visit Which? Money Compare.  

John Lewis credit card satisfaction
Customer service 
Keeping you up to date with new deals 
Communication of changes to terms and conditions 
Clarity of statement 
Transparency of charges and penalties 
Dealing with queries and complaints 
Rewards and cash back 
Ability to manage online 
Ability to manage by telephone banking 
Charges for using your credit card abroad 

Table notes:

  • Star ratings out of five show levels of satisfaction for each category.
  • Where no stars are given, we received too few responses in our survey to award a score.

How we calculate these ratings

Credit card providers chosen for our Which? brand reviews are based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 5,191 responses. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings shown for each category are scored independently of the customer score. These surveys are carried out every six months and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.

More on this...

  • Which? Money Compare - Hundreds of credit card deals compared and updated daily
  • Credit card customer satisfaction - find out how your credit card provider ranks for customer satisfaction
  • Which? Recommended Providers - find out how credit card companies qualify for the Which? seal of approval

Which? Limited (registered in England and Wales number 00677665) is an Introducer Appointed Representative of Which? Financial Services Limited (registered in England and Wales number 07239342). Which? Financial Services Limited is authorised and regulated by the Financial Conduct Authority (FRN 527029). Which? Mortgage Advisers and Which? Money Compare are trading names of Which? Financial Services Limited. Registered office: 2 Marylebone Road, London NW1 4DF.