What is John Lewis Partnership Credit Card

by
Partnership card

The John Lewis Partnership Credit Card is a rewards credit card offered by John Lewis plc, a UK-based department store chain, in partnership with NewDay Ltd, a leading credit provider. The card is designed to reward customers for their purchases at John Lewis and Waitrose, as well as other participating retailers.

Rewards Program

The John Lewis Partnership Credit Card offers a rewards program that allows customers to earn points on their purchases. For every £4 spent at John Lewis and Waitrose, customers earn 5 points, and for every £4 spent elsewhere, they earn 1 point. These points can be redeemed for gift vouchers to spend at John Lewis and Waitrose.

Features of John Lewis Partnership Credit Card

  • Earn 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose.
  • Earn 1 point for every £4 spent elsewhere.
  • Redeem points for gift vouchers to spend at John Lewis and Waitrose.
  • Representative (variable) credit rate subject to status
  • Credit subject to affordability and creditworthiness checks
  • Minimum income requirement of £6,750 per year
  • Available to UK residents aged 18 and above

Benefits of Credit Card

The John Lewis Partnership Credit Card also offers various benefits, including:

  • Exclusive rewards and offers for John Lewis and Waitrose customers
  • No foreign transaction fees
  • Purchase protection and extended warranty on purchases
  • Travel insurance and assistance
  • 24/7 customer service

Application and Eligibility

To apply for the John Lewis Partnership Credit Card, customers must be UK residents, aged 18 and above, and have a personal income of at least £6,750 per year. The credit card is subject to affordability and creditworthiness checks, and applicants must meet the lender’s criteria to be approved.

When is the new John Lewis Partnership Credit Card available?

the new John Lewis Partnership Credit Card is available for application. The card was relaunched in 2022, and existing John Lewis Partnership credit cards became inactive at 6pm on 31st October 2022. If you are an existing John Lewis Partnership account holder, you will need to reapply for the new card to continue using it. The new card offers the same benefits and rewards as the previous one but with a new credit provider, NewDay.

They say you get 0% interest for six months when you open an account, but only if you apply online at johnlewisfinance.com or in their store. This deal stops on June 9, 2024.

Additionally, the John Lewis Credit Card app is available for download from the App Store and Google Play Store, and existing customers can register for the app by following the instructions provided.

It is recommended that you check the John Lewis website or contact customer service for more information on the new card and its availability.

What are the typical interest rates for the John Lewis Partnership Credit Card?

The typical interest rates for the John Lewis Partnership Credit Card are as follows:

  • Representative APR: 27.90% variable (as mentioned in the review by Money To The Masses)
  • Cash advance fee: 3% (min. £3) (as mentioned in the review by John Lewis and Waitrose Partnership Card review 2024)
  • The interest rate on cash advances: 37.95% (as mentioned in the review by John Lewis and Waitrose Partnership Card review 2024)

It is essential to note that these interest rates may be subject to change, and it is always best to check with John Lewis or the credit card provider for the most up-to-date information.

Also, the card offers 0% interest-free spending for 6 months on purchases, and 0% interest-free balance transfers for a limited time. 

Is the John Lewis Partnership credit card a reliable and trustworthy financial service?

The John Lewis Partnership Credit Card is a credit card offered by John Lewis plc, a credit broker, in partnership with NewDay Ltd, a leading credit provider. The card allows customers to earn points on their spending, which can be redeemed for gift vouchers at John Lewis and Waitrose.

What people say good about this credit card are:

  • The card offers a rewards program, allowing customers to earn points on their spending, which can be redeemed for gift vouchers.
  • The card has a 0% interest-free offer on purchases and balance transfers for a limited time.
  • John Lewis plc is a well-established and reputable company with a strong brand reputation.

Some negative things about this credit card:

  • Some customers have reported issues with the card, including difficulties with making payments, delayed transactions, and poor customer service.
  • The card has a relatively low credit limit, which may only be suitable for some customers.
  • The card’s rewards program has some limitations, such as earning rates and redemption restrictions.

Alternatives to John Lewis Partnership Credit Card

If you are considering the John Lewis Partnership Credit Card, here are some alternative reward credit cards you may want to consider:

American Express Rewards Card

  • No annual fee
  • Earn 1 point for every £1 spent, with no cap on points earned.
  • Redeem points against a wide range of rewards, including cashback, gift cards, and travel.
  • No interest-free period, but 0% interest on purchases for 12 months

Other alternatives:

  • Tesco Bank Credit Card: Earn 1 point for every £1 spent, with no cap on points earned, and redeem points against Tesco vouchers or cashback
  • Sainsbury’s Nectar Credit Card: Earn 1 point for every £1 spent, with no cap on points earned, and redeem points against Sainsbury’s vouchers or cashback
  • Waitrose Credit Card: Earn 1 point for every £1 spent, with no cap on points earned, and redeem points against Waitrose vouchers or cashback
  • Barclaycard Rewards Credit Card: Earn 0.25% cashback on all purchases, with no cap on cashback earning
  • Nationwide More Credit Card: Earn 1 point for every £1 spent, with no cap on points earned, and redeem points against cashback or gift cards

Conclusion

The John Lewis Partnership Credit Card is a rewards credit card designed for customers who frequent John Lewis and Waitrose stores. With its unique rewards program and benefits, it offers a convenient and rewarding way to shop and earn points. However, it’s essential to carefully review the terms and conditions, as well as the credit criteria, before applying for the card.

Some Questions

What is the John Lewis Partnership Credit Card? 

The John Lewis Partnership Credit Card is a credit card offered by John Lewis plc, in partnership with NewDay Ltd. It allows you to earn points as you spend, which can be redeemed for gift vouchers at John Lewis and Waitrose.

How do I earn points with the John Lewis Partnership Credit Card? 

You can earn points as follows:

  • 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose
  • 1 point for every £4 spent elsewhere

What is the reward rate for the John Lewis Partnership Credit Card? 

The rewards rate is 5 points for every £4 spent on eligible purchases at John Lewis and Waitrose and 1 point for every £4 spent elsewhere.

Is there an annual fee for the John Lewis Partnership Credit Card? 

No, there is no annual fee for the John Lewis Partnership Credit Card.

What is the APR for the John Lewis Partnership Credit Card? 

The APR for the John Lewis Partnership Credit Card is 28.9% (variable).

Can I apply for the John Lewis Partnership Credit Card? 

Yes, you can apply for the John Lewis Partnership Credit Card online or in-store at John Lewis.

Read More: