John Lewis & Waitrose credit cards

Is a John Lewis & Waitrose credit card right for you?

John Lewis has been a trusted British institution for more than 150 years. It created John Lewis Finance to support customers through the big events in their lives. A John Lewis Finance card might be the answer if you’re after a card that rewards you for spending in John Lewis and Waitrose.

John Lewis prides itself on delivering quality products at competitive prices, all accompanied by impeccable customer service. The ethos is no different when it comes to its financial services: John Lewis Finance. Created with the intention of supporting its valued customers through the big events in their lives and all the little ones in between, customer satisfaction is the number one priority.

The Partnership Card is a credit card which earns you points every time you use it. Your points are turned into vouchers to spend on whatever you fancy in John Lewis & Partners or Waitrose & Partners. The card also offers you 9% interest free spending for 9 months from when you open the account.

Compare John Lewis Finance credit cards - Sorted by APR

Your personalised chance of approval

We've used the details you gave us to show you how likely you are to be accepted for each card.

Why is this important?

Every time you apply for a credit card, your credit score takes a small hit, so it's better to make an application that has a high chance of success. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, it's unlikely you'll get the card, so it could be worth looking at others.

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Our Smart Search uses the same criteria lenders do. If you have cards with high scores, you can be fairly confident in applying however the lender decides whether to say "yes" or "no".

If you see a guaranteed score, the lender won't do a further credit check, but will do additional fraud checks to verify your identity. Assuming everything you told us is correct, your application will be successful.

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If you're rated "not eligible" for a particular card, this could be for one of several reasons. You may already have a card with that provider, and some lenders don't like giving a second one to the same person. Or, occasionally lenders will restrict cards to their current account holders only, meaning you'll be scored not eligible if you don't have one.

If you're rated as "not eligible" for a lot of the cards, then it's likely that your credit score's too low to qualify - perhaps you've missed payments in the past, or you've a CCJ or bankruptcy on your report? If not, but you have a lot of debt already, it could be that lenders are concerned about the levels of debt you already have.

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In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer's acceptance criteria or we have not been able to match your details at the credit bureau to be able to do the smart search check.

Limited offer

3,000 Reward points (worth £30) to spend at John Lewis or Waitrose. T&Cs apply

Limited offer

3,000 Reward points (worth £30) to spend at John Lewis or Waitrose. T&Cs apply

John Lewis Finance

Balance transfer

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How to check if you’re eligible for a John Lewis Finance credit card

MoneySuperMarket’s Eligibility Checker allows you to see what credit cards you are likely to be accepted for, without creating a ‘hard check’ on your credit file. Simply input some of your details, like name, address, and financial situation, and you will have access to a wide range of credit card offers, displayed alongside your likelihood of being accepted.

How to apply for a John Lewis Finance credit card

Once you have found the right card for you using the Eligibility Checker, simply click through to apply.

How to manage your John Lewis Finance credit card

John Lewis Finance has several ways for you to manage your account. Online, by phone or even by post if that’s how you prefer! Quick and reliable customer service is important, so John Lewis Finance prides itself on being available 24 hours a day, 7 days a week. Find all the contact details here.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.