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John Lewis and Waitrose Partnership Credit Card: Smart Choice for Loyal Shoppers or Just Hype?

Enjoy unparalleled shopping rewards and exclusive perks, tailored to your lifestyle. This card transforms every purchase into a rewarding experience.

John Lewis and Waitrose Partnership
CREDIT CARD
John Lewis and Waitrose Partnership
0% interest on purchases exclusive perks
SEE HOW TO APPLY You will remain on the current site

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

FeatureJL & Waitrose CardTesco Clubcard PlusSainsbury’s Nectar Card
Points per £1 (in store)1.25 per £11 Clubcard point per £12 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.

SEE HOW TO APPLY
Rodrigo
Written By

Finance specialist and financial market enthusiast, uncovering the mysteries behind the services and products offered by the sectors, helping people make essential and smart decisions.

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