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The partnership card is an easy way to make shopping at John Lewis and Waitrose even more rewarding, with the reassurance of the quality and service you'd expect from the John Lewis Partnership.

  • Earn points: towards John Lewis and Waitrose vouchers wherever you shop. partnership card is a MasterCard and accepted in over 25 million outlets worldwide
  • Making a purchase? no interest on purchases for your first six months
  • Share the benefits: and earn more points by adding an additional cardholder
  • Representative 16.9% APR variable
  • Earn 1 point for every £1 spent: at John Lewis, Waitrose and John Lewis Insurance*, and 1 point for every £2 spent everywhere else
  • Turning points into pounds: Every 500 points you earn is worth £5 in vouchers. We’ll send you your vouchers every four months so that you can enjoy the rewards of your partnership card all year round

Applicants must be UK residents (excluding the Channel Islands), aged 18 or over, and have a household income of more than £4,000 a year.

Watch our video

Whether you're buying the day-to-day items or something special, the partnership card is your perfect shopping partner. Every time you spend on your card, you'll earn rewards. And when the rewards add up, you'll receive John Lewis vouchers.

Representative 16.9% APR variable. Terms and conditions apply. Credit subject to status.

Watch our video to discover more about partnership card, and apply today to start your partnership with us.


How much could you earn in rewards?

Rewards calculator

Partnership card™ summary

The information contained in this table summarises key product features for the partnership cardTM and is not intended to replace any terms and conditions.


Representative 16.9% APR variable

Interest rates

Introductory rate

Monthly rate

Annual rate


0% for 6 months from the date the account is opened



Balance transfers

0% for 6 months from the date the account is opened



Storecard transfers

0% for 6 months from the date the account is opened



Cash advances




Interest free period

• Up to 56 days for purchases when you pay your balance in full every month by the due date

• No interest free period for Balance Transfers, Storecard Transfers, Cheque Transactions or Cash Advances

Interest charging information

You will not pay interest on purchases if you pay your balance in full and on time each month. Otherwise, the periods over which interest is charged will be as follows:




Date debited to your account

Paid in full

Cash advances

Date debited to your account

Paid in full

Balance transfer

Date debited to your account

Paid in full

Allocation of payments

If you do not pay off your balance in full, payments we receive will be applied to categories of your balance in the following order:

• Payment Protection Insurance Premiums,

• Cash Advances including Cheque Transactions

• In-store Transactions and Transactions

• Balance Transfers and Storecard Transfers

• In-store Transactions attracting a promotional rate as notified to you

In each category interest and charges are paid first, followed by the remainder of the balance. Please refer to ‘Allocation of Payments’ in your conditions of use for a full breakdown.

Minimum repayment

• Interest, default charges and any PPI or Payment Freeze premiums plus 1% of the principal, or 3% of the balance or £5 whichever is highest or your statement balance if less than £5.

Credit limit

Minimum credit limit


Maximum credit limit

Subject to status


• No annual fee


Cash fee

2.5% of the amount advanced, minimum £2.50

Balance transfers

2.5% handling fee, minimum £5

Copies of statements

£5 for an additional copy of a statement

Copies of vouchers

£5 for each copy of a voucher

Statement date changes

£10, however the first statement date change is free

Data Protection Act enquiry


Foreign usage

Payment Scheme Exchange


MasterCard rates can be found at: under the ‘Using your card abroad’ section in FAQs

Dependent on the type of transaction you undertake one or more of the following charges will apply:

Exchange Rate Adjustment

2.75% added  to the MasterCard exchange rate

Cash fee

2.5% of the amount advanced, minimum £2.50

Default fees

If you exceed your credit limit


If your payment is late


If your cheque is returned unpaid


If a cheque for a balance transfer is returned unpaid


If we serve a default notice


Recurring transaction

A recurring transaction, sometimes called a continuous payment authority, is a series of payments collected with your agreement from your card by a retailer or supplier (for example, a magazine subscription). This agreement is between you and the retailer. The Direct Debit Guarantee does not cover these transactions.

Treat yourself

Earning vouchers couldn't be easier with the partnership card – the hard part is deciding how to treat yourself. Whether it's Food, Home, Fashion or the latest Technology, you can choose from thousands of products at John Lewis and Waitrose.