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John Lewis credit card review

Find out how John Lewis has been rated in our latest customer satisfaction survey.

In this article
John Lewis credit card highlights John Lewis credit card customer rating
John Lewis' ratings broken down How we calculate John Lewis' ratings

John Lewis credit card highlights

  • You can earn reward points on spending
  • 500 points are worth £5 in John Lewis/Waitrose vouchers
  • Good 0% balance transfer and 0% purchase deal

John Lewis credit card customer rating

John Lewis has secured a comfortable third place in this year's credit card satisfaction survey and managed to earn Which? Recommended Provider status.

Customers gave it top marks for rewards but also scored the department store's card highly for customer service, ease of applying and online banking.

Unlike other providers, John Lewis only has one credit card available, but it packs a punch with points on spending plus 18 months' 0% on balance transfers and nine months' 0% on purchases.

Credit Cards
John Lewis review
Which? Customer Score
3rd out of 29 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
Compare John Lewis against 29 other credit card providers


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

John Lewis' ratings broken down

John Lewis credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

4 out of 5

Keeping you up to date with new deals

3 out of 5

Communication of changes to terms and conditions    

3 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

3 out of 5

Rewards and cash back

5 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

1 out of 5

Ability to manage by telephone banking

2 out of 5

Charges for using your credit card abroad

2 out of 5

How we calculate John Lewis' 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 6,741 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 annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.