Representative 18.9% APR variable

Interest rates

Introductory rate 

Monthly rate

Annual rate

Purchases

0% for 9 months from the date the account is opened

1.456%

18.9%

Balance transfers

0% for 9 months from the date the account is opened

1.456%

18.9%

Cash advances 

N/A

1.805%

23.9%

Interest free period

Up to 56 days to purchase when you pay your balance in full every month by the due date.

No interest-free period for balance transfers or cash advances 

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the periods over which interest is charged will be as follows:


From

Until

Purchases, balance transfers, cash advances and cash-related payments.

Date debited to your account

Paid in full

Allocation of payments

If the amount you pay in a month is less than the full amount you owe, we will apply the amount you pay in the following order:
a. any unpaid arrears or amounts over the credit limit;
b. the amount you owe us and shown in your statement;
c. any transactions, interest or charges not yet included in a statement.
We will apply your payment first to amounts on your account which we charge at the highest interest rate followed by amounts we charged at lower rates. In each case, interest and charges are paid off first.

If some amounts are charged at the same interest rate, we will apply your payment to the oldest amounts first.

Minimum repayment

The minimum payment will be the higher of:
A) The sum of (a) interest for the period from the last statement, (b) any default charges, and (c) 1% of the full amount you owe as shown on your monthly statement (not including interest and default charges).
B) 3% of the full amount you owe as shown on your monthly statement (including interest and charges).
C). £5.

If you owe less than £5, you must pay the full amount you owe.

Credit limit

Minimum credit limit £250, maximum credit limit subject to status.

Fees

No annual fee.

Charges

Cash fee

2.5% of the cash advance or cash related payment, minimum £2.50

Balance transfers

2.9% of each balance transfered, minimum £5

Data Protection Act enquiry

£10

Foreign usage

Payment Scheme Exchange rate: 

Dependent upon the type of transaction you undertake one or more of the following charges will apply:

Non-Sterling transaction fee

2.75% of the amount of the Sterling transaction value

Cash fee

2.50% of the cash advance or cash related payment, minimum £2.50

Default fees

For paying late

£12

For going over your credit limit 

£12

For payments which are returned unpaid

£12

For enforcing repayment

Our reasonable costs

Recurring transaction

A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, insurance cover). This agreement is between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

To qualify for the £20 voucher offer you must apply for a Partnership Card using the promotion code “myJL20” no later than 30 September 2017, be accepted and spend a minimum of £500 using the card no later than 31 October 2017

To qualify for the offer you must use the card to make £500 of purchases in a single or multiple transactions in John Lewis, Waitrose (in store and online) or any merchant that accepts Mastercard. Balance transfers and cash advances do not qualify as purchases.

The £20 vouchers will be sent to you in the post by end November separately to your loyalty vouchers

The £20 voucher can only be used to pay for good in John Lewis and Waitrose, in store or online

This offer may be withdrawn without notice

Offer only available to new myJohnLewis Partnership Card accounts opened between 28 August 2017 and 30 September 2017

Offer not available to existing or previous Partnership Card cardholders

This offer cannot be used in conjunction with any other offer

Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card can be found at johnlewisfinance.com/card

Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ

To qualify for the 2,000 points offer you must apply for a Partnership Card no later than 28 November 2017, be accepted and spend or transfer a minimum of £500 using the card no later than 21 January 2018.

To qualify for the offer you must use the card to either transfer a balance or make purchases of £500 in a single or multiple transactions in John Lewis, Waitrose (in store and online) or any merchant that accepts Mastercard. Cash advances do not qualify as purchases.

The 2,000 bonus points will appear on your February 2018 Partnership Card statement and the £20 of vouchers will be in your February 2018 voucher issuance.

This offer may be withdrawn without notice.

Offer only available to new Partnership Card accounts opened between 4 October 2017 and 28 November 2017.

Offer not available to existing or previous Partnership Card cardholders.

This offer cannot be used in conjunction with any other offer.

Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card can be found at johnlewisfinance.com/card

Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ

1. The Double Points offer only applies to Partnership Card transactions made at John Lewis in store and online including John Lewis Insurance and Foreign Exchange between 00.01 on Friday 20 October and 23.59 on Monday 23 October 2017. The Double Points offer excludes Waitrose in-store and online transactions.

 

2. Customers will earn Double Points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including;

 

John Lewis

John Lewis shops

John Lewis Beauty services

John Lewis Food Halls

John Lewis Opticians

John Lewis Foreign Exchange bureaux (in store and online)

johnlewis.com

John Lewis Insurance including Home, Car, Pet, Wedding and Travel

 

3. Double Points cannot be earned on the following transactions:

 

John Lewis

Clarins Spa

Vodafone

Ham Holy Burger

Rossopomodoro

Hotel Chocolate

Jo & the Juice

Kuoni

 

4. Where orders for goods are placed outside of the promotional period, then Double Points will not be applied, including where the goods are delivered during the promotional period.

 

5. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 23 October 2017.

 

6. Where customers place an order during the promotional weekend and subsequently make a change to their order, Double Points will apply to the amended order value.

 

7. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional weekend in store and online, that are subsequently returned and where a customer receives a refund.

 

8. Customers will have 1 point per £1 for all John Lewis in-store and online transactions applied to their November 2017 statement as per the card terms and conditions.

 

9. The second (double) promotional point will be applied in time for customers December 2017 statement. The bonus points will be included in customers February 2018 voucher issuance.

 

10. Where a customer feels that the correct points have not been applied to their December 2017 statement, customer to contact Partnership Card Customer Services on 0845 300 3833.

 

11. Promoter: John Lewis Financial Services Limited

 

12. AC44174.

1. The Double Points offer only applies to Partnership Card transactions made at John Lewis in store and online including John Lewis insurance and Foreign Exchange between 00.01 on Thursday 9 November and 23.59 on Sunday 12 November 2017. The Double Points offer excludes Waitrose in-store and online transactions.

 

2. Customers will earn double points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including;

 

John Lewis

John Lewis shops

John Lewis Beauty services

John Lewis Food Halls

John Lewis Opticians

John Lewis Foreign Exchange bureaux (in store and online)

johnlewis.com

John Lewis Insurance including Home, Car, Pet, Wedding, Travel and Event

 

3. Double Points cannot be earned on the following transactions:

 

John Lewis

Concessions; including but not exclusive to Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Hotel Chocolate, Jo & the Juice

Kuoni

 

4. Where orders for goods are placed outside of the promotional period, then double points will not be applied, including where the goods are delivered during the promotional period.

 

5. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after 12 November 2017.

 

6. Where customers place an order during the promotional weekend and subsequently make a change to their order, double points will apply to the amended order value.

 

7. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional weekend in store and online, that are subsequently returned and where a customer receives a refund.

 

8. Customers will have 1 point per £1 for all John Lewis in-store and online transactions applied to their next statement as per the card terms and conditions.

 

9. The second (double) promotional point will be applied in time for customer's December 2017 statement. The bonus points will be included in customer's February 2018 voucher issuance.

 

10. Where a customer feels that the correct points have not been applied, they should contact Partnership Card Customer Services on 0345 300 3833. Calls may be monitored and/or recorded for security and service improvement purposes.

 

11. Promoter: John Lewis, plc

To qualify for the 2,000 points offer you must apply for a Partnership Card using the promotion code “XMAS20” no later than 21 December 2017, be accepted and spend or transfer a minimum of £100 using the card no later than 21 January 2018

To qualify for the offer you must use the card to either transfer a balance or make purchases of £100 in a single or multiple transactions in John Lewis, Waitrose (in store and online) or any merchant that accepts Mastercard. Cash advances do not qualify as purchases.

The 2,000 bonus points will appear on your February 2018 Partnership Card statement and the £20 of vouchers will be in your February 2018 voucher issuance.

This offer may be withdrawn without notice

Offer only available to new myJohnLewis Partnership Card accounts opened between 20 November 2017 and 21 December 2017

Offer not available to existing or previous Partnership Card cardholders

This offer cannot be used in conjunction with any other offer

Applicants for the Partnership Card must be UK residents (excluding the Channel Islands), aged 18 or over, and have a personal income of more than £6,750 a year. Credit subject to status. Full terms and conditions for the Partnership Card can be found at johnlewisfinance.com/card

Promoter: John Lewis Financial Services Limited, 8 Canada Square, London, E14 5HQ

1. The double points offer only applies to Partnership Card transactions made at John Lewis in store and online including John Lewis insurance and Foreign Exchange between 00.01 on Monday 4 December and 23.59 on Sunday 10 December 2017. The double points offer excludes Waitrose in store and online transactions.

2. Customers will earn Double Points (2 points per £1 spent) everywhere they would normally earn 1 point per £1, including;

John Lewis

  • John Lewis shops 
  • John Lewis Beauty services 
  • John Lewis Food Halls 
  • John Lewis Opticians 
  • John Lewis Foreign Exchange bureaus (in store and online)
  • johnlewis.com 
  • John Lewis Insurance including Home, Car, Pet, Wedding, Travel and Event


3. Double Points cannot be earned on the following transactions:

John Lewis

  • Concessions; including but not exclusive to Clarins Spa, Vodafone, Ham Holy Burger, Rossopomodoro, Hotel Chocolate, Joe & the Juice
  • Kuoni


4. Where orders for goods are placed outside of the promotional period, then Double Points will not be applied, including where the goods are delivered during the promotional period

5. Customers can earn double points on online orders, placed during the promotional period, where the dispatch, delivery or collection is after the 10 December 2017

6. Where customers place an order during the promotional weekend and subsequently make a change to their order, Double Points will apply to the amended order value

7. 2 points per £1 will be deducted from customer’s accrued points for any items, purchased during the promotional weekend in store and online, that are subsequently returned and where a customer receives a refund

8. Customers will have 1 point per £1 for all John Lewis in store and online transaction applied to their next statement as per the card terms and conditions.

9. The second (double) promotional point will be applied in time for customers January 2018 statement. The bonus points will be included in customers February 2018 voucher issuance

10. Where a customer feels that the correct points have not been applied, then they should contact Partnership Card Customer Services on 0345 300 3833. Calls may be monitored and/ or recorded for security and service improvement purposes.

11. Promoter: John Lewis, plc

12. AC44829. AC44861

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