The John Lewis and Waitrose Partnership Credit Card is a co-branded product offered in collaboration with NewDay Ltd, aiming to reward frequent shoppers of two of the UK’s most respected retail brands. With no annual fee and a simple reward points system, it appeals to budget-conscious consumers — but is it really one of the best UK rewards credit cards available in 2024?
Let’s break it down.
Core Benefits of the Partnership Card
- Earn up to 5 points per £4 spent at John Lewis & Waitrose
- Earn 1 point per £4 elsewhere
- Points convert to Partnership Vouchers redeemable in-store or online
- 0% interest on purchases for up to 6 months (intro offer)
- No annual fee
- Digital card management via the NewDay app
For every 500 points, you receive £5 in vouchers, automatically sent to your address quarterly — no manual redemption needed.
How It Works in Daily Life
Let’s say you spend £320 monthly at Waitrose and £100 elsewhere. Over 12 months, you’d collect:
- £320 x 12 = £3,840 → 4,800 points (John Lewis/Waitrose rate)
- £100 x 12 = £1,200 → 300 points (other spending rate)
➡️ Total = 5,100 points = £50 in vouchers/year — not bad for a no-fee card.
The rewards aren’t cash, but for loyal customers of the John Lewis Partnership, it’s essentially free money back on your regular spending.
How It Stacks Up Against Other UK Supermarket Credit Cards
| Feature | JL & Waitrose Card | Tesco Clubcard Plus | Sainsbury’s Nectar Card |
| Points per £1 (in store) | 1.25 per £1 | 1 Clubcard point per £1 | 2 Nectar points per £1 |
| No annual fee | ✅ Yes | ✅ Yes | ✅ Yes |
| Cashback Option | ❌ Vouchers only | ❌ Clubcard only | ✅ Convert Nectar to cash |
| 0% Purchase Offer | ✅ 6 months | ✅ Up to 12 months | ✅ Up to 18 months |
Verdict: Strong for brand loyalty, but less flexible than Tesco or Nectar systems for broader use.
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