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John Lewis and Waitrose Partnership Credit Card

John Lewis and Waitrose Partnership Credit Card

? 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.
18.9% APR 18.9% 23.9% £0

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. All new customers will receive 1,000 points worth £10 if they spend or transfer £500 in their first 90 days 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



We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

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

Intro balance transfers

Rate period 18 months
Annual interest 0.0%
Fee 2.9%
Fee min £5
Fee max N/A
Limit period days N/A

Intro purchases

Rate period 9 months
Annual interest 0.0%

Standard balance transfers

Annual interest 18.9%
Fee 2.9%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 18.9%

Standard cash

Annual interest 23.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 3.0%
Monthly payment min £ £5

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.75%
Foreign usage fee (worldwide) 2.75%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 2.5%
Minimum charge £3

Available to manage

Online Yes
Branch No
Telephone Yes

Reward schemes

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

Repayment note

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.