John Lewis Credit Card 2025: Step by Step Guide to Apply Today

Transform your everyday spending into exciting rewards with the John Lewis Credit Card. Enjoy exclusive perks and flexible payments, and easily shop globally, all while earning points.

Key Takeaways

• Exclusive Rewards: Earn 5 points per £4 spent at John Lewis and Waitrose.
• Introductory Offer: Get £40 in vouchers upon spending £250 in the first 90 days.
• Global Usability: Accepted worldwide wherever Mastercard is used.
• Flexible Management: Features include a dedicated app, digital wallets, and instant card freezing.
• Eligibility: Applicants must be 18+, UK residents with a valid email and mobile number.
• Representative APR: 21.9% (variable).
• Reapply Required: Existing cardholders must apply for the NewDay Partnership card.

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In a world driven by financial transactions, credit cards have become an irreplaceable tool for many. They not only provide the convenience of cashless transactions but also come with lots of benefits. One such credit card that has been gaining attention is the John Lewis Credit Card.

In 2022, John Lewis revealed plans to reintroduce its Partnership credit card in collaboration with the credit provider NewDay. Consequently, existing John Lewis Partnership credit cards were deactivated on October 31, 2022, at 6 pm. We provided clarification on the implications of this change for individuals who held an existing John Lewis Partnership account.

Enhancements to the John Lewis Partnership Credit Card Apply

John Lewis is releasing a new Partnership credit card after switching from its former supplier, HSBC, to NewDay. The same advantages and incentives are available as you spend, but because the credit provider has changed, you will need to reapply if you want to keep using your John Lewis Partnership card.

John Lewis Partnership credit card Features

The following are the main features of the new John Lewis Partnership credit card with NewDay:-

1. Introductory Offer: Receive £40 in vouchers for John Lewis and Waitrose when you open a Partnership credit card by 8 January 2024. Spend a minimum of £250 on eligible purchases at John Lewis and Waitrose within 90 days of opening the account.
2. Reward Points:
   • Earn 5 points for every £4 spent at John Lewis and Waitrose.
   • Earn 1 point for every £4 spent globally wherever your Mastercard is accepted.
3. Redemption of Rewards: Accumulate points to earn gift vouchers. Get a £5 voucher for every 500 points earned.
4. Mobile App: Access the John Lewis card through its dedicated app.
5. Digital Wallets: Compatible with Apple Pay and Google Pay.
6. Additional Cardholders: Add up to three extra cardholders to your account.
7. Exclusive Offers: Benefit from special deals and offers exclusively available to cardholders.
8. Security Feature: Freeze your card instantly if it gets lost or stolen.
9. Annual Percentage Rate (APR): The card carries a representative APR of 21.9%, which is variable.

How to Apply for John Lewis Credit Card in 2024?

Applying for the John Lewis Card is a simple procedure. The online application method makes the process simple. Candidates must acquire the required documents and fulfill the eligibility criteria.

Online Application Process

The online application process is designed to be user-friendly. Prospective cardholders can navigate through the application form, providing the required information. A step-by-step guide ensures no crucial details are missed during the application process.

Required Documents

To complete the application successfully, applicants must have specific documents. These may include proof of income, identification documents, and other supporting paperwork.

John Lewis Credit Card Eligibility

Understanding the eligibility criteria is crucial before applying for the John Lewis Credit Card. Factors such as income, credit score, and other financial details play a role in the approval process.

• Availability of New Card:
  • The recently launched John Lewis Partnership credit card is now accessible.
• Initial Rewards Offer:
  • Earn up to 3.75 times the points for eligible spending in the first 90 days, which can be redeemed for John Lewis Gift vouchers.
• Application Requirements:
  • To apply for the new John Lewis Partnership credit card, you must meet the following criteria:
    • Have a 12-month address history in the UK.
    • Possess a valid email address and a UK mobile number.
    • Be 18 years or older.

Credit Score and John Lewis Credit Card Apply

Importance of Credit Score

A good credit score is often a determining factor in credit card approvals. Understanding how credit scores work and their impact on the application process is crucial for prospective cardholders.

How It Affects Card Approval

The credit score not only influences the approval decision but also plays a role in determining the credit limit assigned to the cardholder. Knowing one’s credit score and taking steps to improve it can positively impact the application process.

Managing Your John Lewis Credit Card Account

Online Account Features

Once approved, cardholders gain access to a range of online account features. These include checking balances, reviewing transactions, and managing payment options, all from the convenience of their devices.

Payment Options and Due Dates

Understanding the payment options and due dates is essential for responsible credit card use. Cardholders can set up automatic payments or choose a schedule that aligns with their financial situation.

Customer Reviews and Satisfaction

1. Emily W. – I’ve been using the John Lewis Credit Card for over a year now, and I couldn’t be happier. The cashback rewards are a game-changer, and the exclusive discounts at partner stores are a bonus. The online account features manage my expenses. Highly recommended for anyone looking for a rewarding credit card.
   
2. Mark T. – The application process was straightforward, and I appreciate the flexibility in payment options. The cashback rewards are decent, especially on everyday purchases. My only suggestion would be to offer more promotional deals throughout the year. Overall, a reliable credit card with good perks.
   
3. Sophie R. – I was initially attracted to the John Lewis Credit Card for its exclusive discounts, and it hasn’t disappointed me. The seasonal offers have saved me a significant amount, making my shopping experiences even more enjoyable. The customer service is also top-notch; they are always helpful and responsive.
   
4. Alex B. –The John Lewis Credit Card has been a great addition to my wallet. I love the fact that I can customize my payment schedule, and the automatic payment feature gives me peace of mind. The only downside is that the credit limit could be a bit higher.

Read More:- How to Activate John Lewis Credit Card?

What happens to existing John Lewis Partnership credit cardholders?

If you already have a John Lewis Partnership card, You will need to reapply for the credit card because your current John Lewis Partnership credit card will be inactive as of 6 p.m. on October 31, 2022.

If you no longer want to use your John Lewis Partnership credit card, You will not be allowed to use your credit card after the end of October, but you will still be liable for any outstanding amount on the card and must continue to make any repayments until the balance is cleared. You will be unable to use your card for purchases beginning at 6 p.m. on October 31, 2022.

Handling the Remaining Balance on My Existing Partnership Card

Your previous amount will be transferred to your new card if you apply for a new John Lewis Partnership credit card before December 31, 2022. If you opt not to create a new account, the amount on your old card will remain and you must continue to pay it off until the balance is zero.

Can I Continue Using My Loyalty Points?

You may continue to collect loyalty points on your current John Lewis Partnership card until October 31, 2022, when it will no longer be valid.

You may maintain your loyalty points even after your account has been canceled, and if you have reached the 500-point barrier necessary for a voucher, you will still receive it in October.

If you have fewer than 500 points and open a new John Lewis Partnership credit card, your points will be transferred; however, if you do not establish a new card, your points will be lost.

How do I close my John Lewis Partnership credit card?

If your existing John Lewis Partnership credit card balance is £0, it will be closed immediately on November 1st, 2022. If your account has a balance, your card will no longer be used for spending (as of October 31, 2022), but your account will be maintained active until the debt is repaid.

If your balance is zero and you want to terminate your John Lewis credit card account before November 1st, 2022, you can do so by contacting 0345 300 3833.

John Lewis Partnership credit card Availability

• Invitation to Existing Cardholders:
  • Existing John Lewis cardholders are now receiving invitations to sign up for a NewDay John Lewis Partnership card through email or letter.
  • The invitation includes a unique sign-up code necessary for the application.
• Application Process:
  • If you haven’t received the invitation yet, you can still apply for the card.
  • However, be prepared to provide additional details during the sign-up process.
• Deadline for Existing Cardholders:
  • Existing John Lewis credit card account holders must apply for the Partnership card by 31st December 2022.
  • This ensures recognition as an existing customer and eligibility for the sign-up offer.
• Application Venue:
  • Apply for the new John Lewis Partnership card on the John Lewis website.

Conclusion

Finally, the John Lewis Credit Card is a great choice for anyone looking for a credit card that offers cashback incentives, special deals, and flexible payment options.

Understanding the application process, carefully managing the credit card account, and making use of the related benefits all contribute to a great cardholder experience.

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