With over 150 years as a major high street name, John Lewis draw on their trusted brand status to offer a standalone credit card – the John Lewis Partnership Card.
Billed as a rewards card, the Partnership Card allows you to earn points on all purchases – which translate into vouchers you can use at John Lewis and Waitrose.
How does the John Lewis Partnership Card compare?
The card features respectable introductory 0% periods on both purchases and balance transfers. It offers 0% interest for 9 months on purchases, which could be attractive if you have a major purchase coming up and want to spread the cost without running up interest. Just remember to clear your balance before the 9 months are up, as the interest rate reverts to 18.9% APR (variable).
New cardholders looking to transfer their credit card balances also receive 0% interest for 18 months on balance transfers, which could be helpful if you’re looking to consolidate other debts. Just be aware that a 2.9% balance transfer fee applies.
Whilst it can’t match the headline rates offered by some providers, the decent introductory periods and a generous points scheme mean this card could be a rewarding all-round option – particularly if you shop regularly at either Waitrose or John Lewis. Here’s how the scheme works:
- Cardholders earn one point for every £1 spent at both John Lewis and Waitrose – as well as one point for every £2 spent elsewhere
- For every 500 points earned, you’ll receive £5 in vouchers that can be used at John Lewis and Waitrose
- So, every £1 spent at John Lewis has a voucher value of 1p and every £1 spent elsewhere is worth 0.5p in vouchers
- Every four months, John Lewis add up your points and send your vouchers to you
- You’re free to spend your vouchers on anything in John Lewis or Waitrose – including online purchases
The points scheme comes with some extra perks too. Cardholders earn one point for every £1 they exchange for foreign currency from John Lewis – as well as earning double points for taking out car, home, pet, wedding or events insurance through John Lewis Finance.
Your personalised chance of approval
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
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
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
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
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
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
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.
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John Lewis Finance