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 0% 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

Chance of approval 10/10 GUARANTEED
Chance of approval {{::sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better to get it right the first time. Your scores help you understand which cards you have the strongest chance of getting. The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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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Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

EXPLORE MORE CREDIT CARDS

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.