Check if you are eligible for a Partnership Credit Card

If you're interested in applying for the Partnership Credit Card we'll perform a soft search to check your eligibility before you apply. This means it won't impact your credit score.

How can I earn points?

Points can be earned on eligible purchases when you use your Partnership Credit Card in-store or online.

For every £4 spent you can earn:

John Lewis & Waitrose spending
on spending elsewhere

Make the most of your spending

You can earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent on eligible purchases elsewhere.1

Earn travel points

Buy currency in-store or online at any of our Bureau de Change stores, and we’ll reward you with points. Exchange rates in store may vary to those shown online.

0% interest for 6 months

When you apply for a Partnership Credit Card through our site or in-store, you’ll get 0% interest on your purchases for the first 6 months from opening your account. Offer ends 9 June 2024.2

Representative example

28.9% APR
Representative (variable)
rate pa

What are Partnership Credit Card points worth?

For every 500 points earned, you’ll receive a £5 voucher to spend at John Lewis or Waitrose. We’ll calculate the points for you and send your vouchers in the post automatically three times a year in £5 denominations. The vouchers have no expiry date, so you can use them whenever you like.

Point amount Reward value
500 pts £5
2,500 pts £25
5,000 pts £50
10,000 pts £100
25,000 pts £250
50,000 pts £500

What can I spend my vouchers on?

Vouchers can be spent at any John Lewis or Waitrose store or online. The choice is yours on how you would like to treat yourself - whether it’s a new gadget from the electronics section at John Lewis or a lovely bottle of wine from Waitrose.

Need some inspiration? Here’s an idea of how you can spend your vouchers:

500 pts

£5 voucher towards treating yourself with a bottle of wine from the Waitrose Cellar

2,500 pts

£25 voucher towards a new shirt or dress from mens/womenswear to freshen up your wardrobe

5,000 pts

£50 voucher towards sprucing up your home with our wide range of furniture and homeware

10,000 pts

£100 voucher towards your choice of new tech from our large selection of electricals

Ready to start earning points?

Find out in minutes if you’re eligible without affecting your credit score.

Frequently asked questions

There’s no expiry date on vouchers that have been issued to you - they’ll always remain valid. Each point you earn has a life of two years (we’ll redeem your oldest points first), however if your account is closed for any reason, all points earned but not redeemed are forfeited.

Vouchers can be used at any John Lewis or Waitrose store, or online.

You’ll earn points on all purchases made with your Partnership Credit Card from the date the transaction is posted to your account, this is usually a few days after you make the transaction. Before it is posted, the transaction is pending and you’ll be able to see the transaction and posting dates on your monthly statement.

You can find a list of how and where you can earn points, in our Reward Programme Rules at John Lewis and Waitrose.

We redeem points three times a year – February, June and October – and we send vouchers in the post by the end of the following month.


Points redeemed Voucher delivered by
February End of March
June End of July
October End of November


Vouchers are issued in multiples of 500 points. Every 500 points entitles you to a £5 voucher. Unredeemed points are carried forward. For example, if you have 650 points, we’ll automatically issue you a £5 voucher and carry over your remaining 150 points.

See Reward Programme rules.

1. Reward Terms apply.

2. The 0% interest offer period lasts for six calendar months from account opening, and only applies to card applications made directly via or in-store. Applications made via a third-party site such as a comparison website will not qualify for the offer. When the 0% offer period ends, or if it is cancelled, you will pay the standard purchase rate on any remaining purchase balance. Your offer will be cancelled if you do not make at least your minimum contractual payment or you exceed your credit limit. For full terms, see Terms & Conditions. Offer ends 9 June 2024.

John Lewis plc is a credit broker and not a lender, introducing the Partnership Credit Card under exclusive arrangements with the Lender NewDay Ltd.
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 (FRN 724309). Credit is provided by NewDay Ltd, a company registered in England and Wales with registered number 7297722, registered office: 7 Handyside Street, London, N1C 4DA. NewDay Ltd is authorised and regulated by the Financial Conduct Authority with number 690292 and is also authorised by the Financial Conduct Authority under the Payment Services Regulations 2017 (Ref no: 555318) for the provision of payment services.

Copyright © John Lewis Partnership
Back to top