JOHN LEWIS PARTNERSHIP CREDIT CARD
Everyday shopping, all-year rewards
Earn points on eligible purchases using your John Lewis Partnership Credit Card to get gift vouchers to spend at John Lewis and Waitrose.
Check your eligibility in minutes without affecting your credit rating.
28.9% APR
Representative (variable)
Credit subject to status. 18+ years. UK residents. T&Cs apply.
New applicants must have 12 months of UK address history, a UK mobile phone number, email address and cannot have held a Partnership Credit Card in the last 12 months.
Turn your shopping into rewards
Start with double points
New Partnership Credit Card customers can enjoy double points on eligible spend at John Lewis and Waitrose for the first 60 days, starting the moment you open your account. This is equivalent to 10 points for every £4 spent.¹
After 60 days, the standard earn rate on eligible spend at John Lewis and Waitrose is 5 points for every £4 spent.
Earn as you spend
Keep collecting points. Not just on eligible spend at John Lewis and Waitrose, but also on purchases elsewhere.2
Get exclusive perks
Look out for cardholder offers, prize draws, and opportunities to boost your points.
How it works
Double points
10 points for every £4 spent for the first 60 days on eligible spend at John Lewis and Waitrose, from when you open your account1
5 points
for every £4 spent at John Lewis and Waitrose on eligible purchases after the 60-day double points offer ends2
1 point
for every £4 spent elsewhere2
Redeem your points
500 points
£5 voucher - that could be put towards a tasty treat, like a meal deal from Waitrose
2,500 points
£25 voucher - that could be spent on a new fragrance or beauty product
5,000 points
£50 voucher - that could be used to update your wardrobe in fashion and accessories
7,500 points
£75 voucher - to help spruce up your home with our wide range of furniture and homeware
Security, convenience and support
Manage, in app
Track your points and spending, manage your account, and pay your balance with our easy-to-use mobile app.
Help, on hand
Get support by signing in online or via the John Lewis Credit Card app and using our secure online chat.
Simple, secure payments
Make secure one-tap payments and add your new Partnership Credit Card to your Apple Pay or Google Pay™ digital wallet.
Partnership Credit Card FAQs
How can I make a payment?
The most convenient way to make a payment is to set up a Direct Debit. You can do this, or change the amount you pay, by visiting your Online Account Manager or the John Lewis Credit Card app. You can find a list of other payment options in your monthly statement. Please note, we don’t accept payments by cheque.
What happens if I’m late paying my card balance?
If you don't pay at least the minimum payment by the statement due date each month, you’ll incur a late payment fee of £12 and your missed payment will be reported to credit reference agencies. Setting up a Direct Debit will help to avoid missed payments.
Can I use my card abroad and will I be charged for this?
Yes, you can use your Partnership Credit Card everywhere you see the Mastercard logo.
Each time you use your card abroad, you’ll be charged a foreign exchange fee if your transaction is made in a different currency. This fee will be shown on your statement as a separate charge. Your transaction will be converted into sterling using the Mastercard exchange rate.
View more details or check your Credit Agreement, if you’re an existing customer.
What fees and charges should I be aware of?
View Partnership Credit Card rates and charges here, or if you’re an existing customer, you can find your interest rates, fees and charges on the back of your statement.
How do I get in touch if I need help relating to my existing Partnership Credit Card?
If you need assistance with your Partnership Credit Card, visit our contact and support page to find ways of getting in touch, depending on your query.
Understanding credit cards
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Know your APRs from your credit limit? Learn about credit cards in our handy guide.
Improve your credit score
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What’s a credit check?
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Our provider
The Partnership Credit Card is brought to you with NewDay, who provides almost 4 million customers across the UK with responsible access to credit.
John Lewis plc may receive a commission for introducing you to a lender if your application is successful.
John Lewis plc is a credit broker not a lender, introducing the Partnership Credit Card under exclusive arrangements with the lender NewDay Ltd.
John Lewis Money and John Lewis Finance are trading names of John Lewis plc. Registered office: 1 Drummond Gate, Pimlico, London SW1V 2QQ. Registered in England and Wales (company number: 233462). Authorised and regulated by the Financial Conduct Authority (firm reference number: 724309).
Credit is provided by NewDay Ltd. Registered in England and Wales (company number: 7297722). Registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority (firm reference number: 690292) and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (firm reference number: 555318) for the provision of payment services.
Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.