If you are looking for a card that is going to help you earn money on the money you spen, a John Lewis credit card might be for you. In an economy in which cashless methods offer an easy and fast way to pay for your transactions, having a credit card offers great convenience. Because of this, you want to have a reliable credit card that works seamlessly every time you need it. Enter the John Lewis Credit Card.
John Lewis credit cards are recognized for their generous rewards and offerings. Apart from being given the chance to earn numerous points, individuals also get to enjoy the fruit of their labor thanks to its equally indulgent redemption options. With accessibility and convenience at the helm of the John Lewis, you can use points and vouchers at any John Lewis or Waitrose branches.
Before you dive in however, remember that your financial situation is unique. If you are lookin for a card that is going to help you relieve financial stress, then you credit card rewards shuold not be your focus. Having a card that is going to move with you and help you in your journey is essential. Our team has looked into John Lewis and their credit cards. Below is information that you need to know before you decide whether or not J Lew is right for you.
How You Get Increased Points with a John Lewis Credit Card
You can get more points by using a John Lewis Partnership Card. A great thing about this is that it provides numerous ways to earn points. From making mobile payments, insuring your home, car, pet, or even events and weddings, to making transactions at your favorite John Lewis & Partners or Waitrose & Partners – the options are endless. Each time you use your Partnership Card at John Lewis and Waitrose, you’re entitled to get 1 point for every £1 spent. For every £2 spent elsewhere, you get 1 point.
What makes this so special you ask? For every 500 points, you earn using your Partnership Card, you will be given £5 worth of vouchers which you can use at John Lewis and Waitrose. Enjoy double the points when you apply for a Partnership Card before February 29, 2020. This comes with an additional £30 vouchers which you can also put to good use.
What is the Partnership Card?
By this time, you might be asking, what is the Partnership Card? Powered by Mastercard, the Partnership Card is a John Lewis Credit Card that allows cardholders like you to earn points for all of your spends. Think of it as a rewards card that keeps on giving.
Besides spending on your home, your car, or the supermarket, you can also earn points when you buy travel money. This is applicable for individuals who buy online or Bureau de change.
What You Need to Know About the Partnership Card
- You get to enjoy vouchers specifically sent out for you to use at John Lewis and Waitrose for up to 3 times a year. Your points will be added up three times a year, February, June, and October.
- You can take advantage of the 9-month interest-free period. Here, you can get 0% interest on purchases from account opening.
- What’s more, you can also get 0% on Balance Transfers from account opening.
What are Fees for a John Lewis Credit Card?
If you are borrowing any kind of money, you will pay fees - unless it is Grandma perhaps. Applying for a John Lewis Credit Card is easy. You can go to their site and apply online or go to a branch near you. However, bear in mind that this rewards card comes with its own set of responsibilities. In particular, paying its respective fees allow you to keep enjoying the perks that come with the card.
Its following fees and charges include:
- APR/Interest Rate – 18.9%
- Credit Limit – Minimum of £250
- Purchase Rate – 18.9%
- Balance Transfers – 18.9%
- Cash Fee – 2.50% for cash advances, a minimum of £2.50
- Late Payment Charge - £12
- Overlimit Fee - £12
Be sure to keep on top of these fees to help continue the advantages it brings.
How to Contact John Lewis
If you wish to contact the financial institution directly, you may do so at 0345 300 3833 for Partnership Card Customer Service and 0345 300 3830 for Partnership Card application queries. Meanwhile, you can also visit their registered office at 8 Canada Square, London E14 5HQ.
Disclaimer
There are risks involved when applying for and availing a credit card. Please see the bank’s Terms and Conditions page to know more.
