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John Lewis credit card review

Find out how John Lewis has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do John Lewis credit cards offer?  How does John Lewis compare to other providers? Is John Lewis a good credit card provider?
Which reward credit card is best? How we calculate John Lewis’s customer score and ratings John Lewis credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do John Lewis credit cards offer? 

Unlike many other providers, John Lewis only offers one credit card, but it packs a punch.

The John Lewis Partnership Card offers reward points on spending, plus 18 months' 0% on balance transfers and nine months' 0% on purchases. 

  • You can see how the John Lewis credit card compares with hundreds of other reward deals Which? Money Compare.

How does John Lewis compare to other providers?

John Lewis was the most highly rated provider in the 2020 credit card satisfaction survey.

Customers gave it a score of 83% - well above average - but the card didn’t meet the benchmarks set in our product analysis to secure Which? Recommended Provider status.

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John Lewis review
Which? Customer Score
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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.
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Is John Lewis a good credit card provider?

Our survey also reveals how John Lewis customers rated the provider across 10 categories. 

Find out in the table below how John Lewis scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

John Lewis and Waitrose Partnership credit card satisfaction ratings


Star ratings

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.

Customer service

5 out of 5

Application process

5 out of 5

Clarity of statement

5 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

5 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

5 out of 5

Ability to manage by telephone banking

5 out of 5

Charges for using your credit card abroad

1 out of 5

Which reward credit card is best?

Below are the top five reward credit cards on the market right now.

How we calculate John Lewis’s customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings 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.


John Lewis credit card FAQs


Does John Lewis offer an eligibility check?


John Lewis doesn’t currently offer an eligibility checker. This means you'll need to apply without knowing if you're likely to be accepted.

To improve your chances of getting approved for the Partnership card, you check your credit report and take steps to improve your credit score.


Where is the John Lewis Partnership card accepted?


The John Lewis Partnership card is issued on the Mastercard network, which means you will be able to use it in millions of places in the UK and abroad.


Where can you apply for a John Lewis credit card?


You can apply in a John Lewis or Waitrose store or online.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.