Make the most of John Lewis Partnership credit card rewards with 5 points per £4, 6 months interest-free and no annual fee

Why the John Lewis Partnership credit card stands out

The John Lewis Partnership credit card is built for regular John Lewis and Waitrose shoppers who want to turn everyday spending into meaningful rewards. With 5 Partnership points for every £4 spent in-store and online at John Lewis and Waitrose, it’s one of the most generous retail reward cards for UK customers who buy groceries, homeware and gifts.

Beyond the points rate, the card comes with no annual fee and an introductory interest-free period on purchases for six months, making the John Lewis Partnership credit card a practical choice whether you’re planning a big purchase or just topping up your weekly shop.

How rewards work and how to redeem them

Points accumulate quickly: every 500 Partnership points converts to a £5 gift voucher, and vouchers are mailed three times a year, so you can plan redemptions around sales or seasonal spending. You also earn 1 point per £4 on non-Partnership purchases, so casual spend still benefits your balance.

Adding up to three additional cardholders can turbocharge your points haul across household spending, but remember the primary account holder is responsible for all charges. Use the John Lewis Partnership credit card for regular supermarket shopping, larger home buys, and event tickets to maximise value.

Interest-free period, fees and representative APR

The six-month interest-free window on purchases gives breathing space to spread the cost of larger buys without incurring interest, provided you clear the balance before the offer ends. After the introductory period, the card carries a representative APR which you should check at application to understand ongoing costs.

There’s no annual fee, which keeps the John Lewis Partnership credit card cost-effective for frequent shoppers; however, routine good credit and an income that meets eligibility criteria increase your chances of approval, as with most high-reward cards in the UK market.

Managing the card and making the most of perks

Manage your account with the John Lewis mobile app to track spending, view partnership points and set up payments on the go. The app makes it straightforward to stay on top of redemptions and to spot the best times to use vouchers in John Lewis and Waitrose.

Don’t forget member-only offers and ticket access that often come with the Partnership card: these extras add tangible value beyond points. Compare alternatives if you don’t shop frequently at John Lewis or Waitrose, but for regular customers the John Lewis Partnership credit card can pay back quickly in vouchers and exclusive benefits.