A staple on the British high street for more than 150 years, 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 John Lewis Partnership Card awards you points when you spend with John Lewis or Waitrose. The points translate into John Lewis or Waitrose gift cards, saving you money when you spend. The card also offers you 0% interest free spending for 9 months from when you open the account, and twice a year it holds double points events which can give you even more rewards.
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.
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.
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.
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.
