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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
What does the John Lewis credit card offer?  How does John Lewis compare to other providers? Is John Lewis a good credit card provider?
How we calculate John Lewis’s customer score and ratings John Lewis credit card FAQs

What does the John Lewis credit card offer? 

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

The John Lewis Partnership Card’s big draw is the reward points you can earn on spending.

You can get five points for every £4 you spend at John Lewis and Waitrose or one point for every £4 you spend elsewhere. For every 500 points you earn, you'll get £5 in vouchers to spend at John Lewis or Waitrose.

The card also offers interest-free spending for nine months plus18 months 0% on balance transfers (with a 2.9% balance transfer fee).

Representative example: based on an assumed credit limit of £1,200 and a purchase rate of 18.9% (variable) the card would cost a representative 18.9% APR variable. Credit is subject to status and terms apply.

How does John Lewis compare to other providers?

John Lewis was a highly-rated provider in our 2021 credit card satisfaction survey.

Customers gave it a score of 76% - 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
=2nd out of 26 credit card providers
The Which? rating for customer satisfaction is 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/Waitrose credit card customer satisfaction category Star rating
Customer service

5 out of 5

Application process

5 out of 5

Clarity of statement

5 out of 5

Transparency of charges

5 out of 5

Charges for using your card abroad

2 out of 5

Dealing with complaints and resolving problems

4 out of 5

Dealing with queries

5 out of 5

Ability to manage account online

5 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

4 out of 5


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 John Lewis’s customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


John Lewis credit card FAQs


How do you get a John Lewis credit card? 


You can apply for a John Lewis Partnership credit card in a John Lewis or Waitrose store or online.


When will you get your John Lewis credit card vouchers?


Vouchers are issued three times a year -February, June and October - and can be used at John Lewis and Waitrose.


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. 

So it’s wise to check if you meet the card’s basic eligibility criteria. 

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.

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