Make this year more rewarding

Shop at Waitrose and John Lewis with a Partnership Card, and we’ll give you 1.25% back in the form of points towards gift vouchers. Online or in store, every purchase counts.

How you earn points and gift vouchers


Get 5 points for every £4 you spend with us online and in store. From food to fashion to furniture, everything counts.


Get 1 point for every £4 you spend at other shops, restaurants and online retailers that accept Mastercard.


Enjoy £5 of John Lewis and Waitrose vouchers for every 500 points you earn. Get your vouchers up to 3 times a year.

0% interest on purchases
and balance transfers

Pay with Partnership Card and you won’t be charged any interest on purchases for the first 9 months. So you can buy items up front, but pay later at your own pace – provided you make minimum payments.

Transfer your balance to us and you’ll also enjoy an 18-month interest-free period (2.9% fee, minimum £5).

If you’ve been paying a high interest rate on a credit or store card, this could make the cost of repayments more affordable for you.


18.9% APR

Purchase rate
18.9% pa

Based on an assumed
credit limit of

Applicants must be UK residents (excluding the Channel Islands), aged 18 or over, and have an income of more than £6,750 a year.

Credit is subject to status.

Points calculator

Annual vouchers:

£ 0

Weekly spend at Waitrose

£ 0

Monthly spend at John Lewis

£ 0

Monthly spend at other stores

£ 0

Monthly spend on petrol or diesel

£ 0

Monthly spend on dining out

£ 0

Annual spend on travel & holidays

£ 0

See how your spending adds up with our Partnership Card.

We’ll send you vouchers up to three times a year so you can enjoy the rewards of your Partnership Card, all year round.

(Slide arrows to calculate)

John Lewis plc trading as John Lewis Finance acts as a credit broker for the purpose of introducing credit for the Partnership Card provided under exclusive arrangements with the lender John Lewis Financial Services Limited, a subsidiary of HSBC UK Bank plc.

John Lewis Finance is a trading name of John Lewis plc, registered in England with company number 233462, registered office: 171 Victoria Street, London SW1E 5NN. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 724309). John Lewis Financial Services Limited (a subsidiary of HSBC UK Bank plc) is registered in England with company number 464530, registered office: 8 Canada Square, London E14 5HQ. Authorised and regulated by the Financial Conduct Authority (Financial Services Register number 715060) including for the provision of payment services (Register number 542750). ‘Partnership Card’, ‘John Lewis Finance’ and other terms including ‘John Lewis’ are John Lewis Partnership brands and John Lewis Financial Services Limited uses them under licence from the John Lewis Partnership.

Copyright © John Lewis Partnership
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