John Lewis and Waitrose Partnership Card review November 2019

A versatile rewards card that earns points anywhere Mastercard is accepted and offers perks tailored to loyal customers.

Finder rating: ★★★★★

Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

18 months

0% interest on balance transfers

18.9%

Representative APR

£0

Account fee

Earn 1 point

per £2 spent

Details

IssuerJohn Lewis Financial Services
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 18 months reverting to 18.9%
Balance transfer fee2.9% (min. £5)
Purchases0% for 9 months reverting to 18.9%
Purchases interest-free periodUp to 56 days
Cash advances23.9%
Min. credit limit£250
Max credit limitNot specified
Additional cards available3
IncentiveEarn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Earn double points at John Lewis and Waitrose for first 90 days if card applied for by 29.2.20.

Expert review

Chris Lilly

Review by


Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

If you’re a fan of John Lewis and Waitrose, this credit card can earn you loyalty points wherever you use it, and at an enhanced rate when you use it at John Lewis or Waitrose. The points you accumulate can be exchanged for John Lewis and Waitrose vouchers three times a year, in units of £5. Any extra points above the nearest £5 are carried over into the next reward period. Points can be spent online or in-store at any John Lewis store, or Waitrose supermarket.

To draw in new customers, there’s an introductory bonus plus introductory 0% periods on both purchases and balance transfers. So if you already have an outstanding balance with another credit card provider, you can apply to bring it across to this card, and pay no interest on that balance for a set period (after which the card’s standard rate kicks in). Alternatively if you’re anticipating a large expenditure, you can use the card’s 0% on purchases period to spread the cost without incurring interest.

You’d expect decent customer service from John Lewis and Waitrose, and indeed it does offer a 24-hour customer support helpline, charged at local rate. You can also register for online account servicing or download the free mobile app, to carry out a range of tasks including making payments, viewing your current balance and recent statements, requesting a balance transfer or credit limit change or switching to paperless monthly statements.

You can also request cards for up to three other nominated people on your account, which could help you earn points faster (just remember you’ll be solely responsible for the card debt). This can be done online, via the app, or in a John Lewis Partnership or Waitrose store.

Ultimately, there are longer 0% deals around for both purchases and balance transfers, and there are better ongoing interest rates out there. However, for regular Waitrose/John Lewis shoppers who don’t need longer offers, and don’t plan on carrying a balance from month to month, the perks could make this a card worth carrying.

John Lewis stores have been a fixture of our major high streets since 1864, when the first one opened on London’s Oxford Street. The company is one of the best-known employee-owned businesses in the UK, with its staff all given a share of its annual profits.

Like many of its competitors, John Lewis’ expansion of its business has seen it set up its own financial services arm, which offers a range of other products besides the John Lewis credit card. Its card is provided by HSBC banking group, and is issued on the Mastercard network, which means it’s accepted in more than 35 million outlets around the world.

How does this card compare?

The Partnership card

Updated November 17th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
0% for 9 months reverting to 18.9%
£0
Min. limit £250, max. limit not specified.
18.9% p.a. (variable)
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Earn double points on selected insurances taken out through John Lewis Financial Services. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5. Earn double points at John Lewis and Waitrose for first 90 days if card applied for by 29.2.20.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).

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The competition

Table: sorted by representative APR, promoted deals first
Updated November 17th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
0% for 6 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% p.a. (variable)
Double points on spend in M&S for first 12 months (2 points per £1). Then earn 1 point for every £1 spent at Marks and Spencer's and 1 point or every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.9%
£0
Min. limit £500, max. limit not specified.
19.9% p.a. (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
22.9%
£0
Min. limit £500, max. limit not specified.
22.9% p.a. (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% p.a. (variable)
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
28.2% p.a. (variable)
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn 2 Nectar points for virtually every £1 spent at Nectar partners and elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).

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Updated November 17th, 2019
Name Product Annual/monthly fees Purchases Rep. APR Cashback details Representative example
£0
22.9%
22.9%
5% after £1 of yearly spend for introductory period of 3 months. 0.5% on £1 to £5000 of yearly spend. 1% after £5001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback in the first 3 months (max £100). Must spend £3K annually to earn cashback.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
£25 per annum
22.9%
28.2%
5% on £1 to £2500 of yearly spend for introductory period of 3 months. 1% on £1 to £10000 of yearly spend. 1.25% after £10001 of yearly spend. Cashback paid Anniversary into Card Account. 5% intro cashback (max £125).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £25 per annum, your representative rate is 28.2% APR (variable).
£0
18.9%
18.9%
0.5% after £5000 of yearly spend. Minimum of 12 transactions per year required. Maximum of £250 cashback paid per year. Cashback paid Anniversary into Card Account. For initial £5K a £25 cashback is paid, plus an additional £1 for every further £200 spent.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
£0
18.9%
18.9%
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
£0
19.9%
19.9%
0.25% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).
£3 per month
0% for 26 months reverting to 15.9%
21.7%
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).

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Updated November 17th, 2019
Name Product Incentive on opening Purchases Rep. APR Incentive Representative example
1000 bonus privilege points on first spend.
0% for 3 months reverting to 21.94%
21.9%
Earn 2 privilege points for every £1 spent at Laura Ashley, and 1 privilege point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.
Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).
1,000 bonus points on account opening.
29.95%
29.9%
Earn 2 points for every £1 spent at Dorothy Perkins and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
500 bonus points on account opening and 20% off purchases made on day of opening.
29.95%
29.9%
Earn 2 points for every £1 spent at Evans and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
500 bonus points on account opening
29.95%
29.9%
Earn 2 points for every £1 spent at Outfit and other Arcadia Group stores and online, and 1 point for every £1 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly. Bonus points in birthday month.
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).

Compare up to 4 providers

Updated November 17th, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
£0
Min. limit £700, max. limit not specified.
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£195 per annum
Min. limit £700, max. limit not specified.
76% p.a. (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
22.9%
£0
Min. limit not specified, max. limit not specified.
22.9% p.a. (variable)
Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online. Earn an additional 2,000 bonus miles if you spend £1K within 90 days of opening until 31.10.19.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
22.9%
£160 per annum
Min. limit not specified, max. limit not specified.
63.9% p.a. (variable)
Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend. Spend £10K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).

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Repayment options

You can make repayments online (either by logging into your account or by sending the funds from your own bank account), in the free mobile app, over the phone (0345 300 3830) or even by posting a cheque. Better still, set up a direct debit (which protects you from forgetting to make a repayment and damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result).

Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the John Lewis and Waitrose Partnership Mastercard

Completing the secure online application form takes about 15 minutes, or alternatively you can apply in store. But first, check that you meet the eligibility requirements. You’ll need to be a resident of the UK (excluding the Channel Islands), unless you’re serving in the Armed Forces. Your annual income should be more than £6750, and you’ll need a good credit history, with no history of County Court Judgments or bankruptcy. You must ensure that you can meet the repayments as missed payments incur a charge and could have severe consequences on your ability to obtain future credit.

Frequently asked questions

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