John Lewis and Waitrose Partnership Credit Card
Which? customer score 80%
|Representative APR (variable)||Purchase interest p.a.||Cash withdrawal APR||Annual card fee|
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
Reward scheme details
Every time you spend on your partnership card, you’ll earn points towards John Lewis Partnership vouchers. Every 500 points you earn is worth £5 in vouchers. Earn 1 point per £1 spent in store or online at John Lewis and Waitrose. Earn 1 point per £2 spent everywhere else, at over 36 million MasterCard outlets worldwide. 0% interest on balance transfers for 18 months, fixed from account opening (2.9% fee applies) 0% interest on purchases for 9 months, fixed from account opening.
- Representative Example
- Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 18.9% (variable), representative 18.9% APR (variable). Credit available subject to status.
John Lewis Financial Services customer satisfaction scorecard:How do we work this out?
|Keeping you up to date with new deals||Transparency of charges / penalties||Online account management||Customer service||Overall customer score|
|Can be used for building credit rating||No|
|Minimum income required to open account||£6,750|
|Opening account is by invitation only||No|
|Account is for existing customers only||No|
|Further notes about eligibility||You must have a good credit history. You must be a UK resident (excluding Channel Islands).|
|Minimum age to open an account||18|
|Rate period||18 months|
|Limit period days||N/A|
|Rate period||9 months|
|Maximum interest free days (purchases)||56|
|Days to pay||25|
|Monthly payment min %||3.0%|
|Monthly payment min £||£5|
|Returned payment fee||£12|
|If you exceed credit limit||£12|
|Foreign usage fee (Europe)||2.75%|
|Foreign usage fee (worldwide)||2.75%|
|Charges for cash withdrawals||Yes|
|Cash withdrawal percent||2.5%|
|Reward is charity donation||No|
|Reward is cash back||No|
|Reward is Airmiles||No|
|Reward is points||Yes|
|Reward is vouchers||Yes|
|Reward is travel||No|
|Reward is Avios||No|
|Reward is discount||No|
If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.