* John Lewis Credit Card: This card offers various benefits when shopping at John Lewis and Waitrose, but it's not a store card (meaning you can use it elsewhere).
* John Lewis Partnership Card (store card): This card is specifically for use at John Lewis and Waitrose stores.
Here's a breakdown of the benefits for each card:
John Lewis Credit Card:
Benefits:
* 0% interest for up to 28 days: This means you can avoid paying any interest if you pay your balance in full before the statement deadline.
* Rewards points: Earn 1 point for every £1 spent at John Lewis and Waitrose, and 2 points for every £1 spent at Waitrose Cellar.
* Exclusive discounts: Access to exclusive discounts and offers for Partners (John Lewis & Waitrose employees).
* Free travel insurance: Enjoy free travel insurance when you spend £1000 on your card in a year.
* Flexible payment options: You can choose to pay off your balance in full, pay a minimum amount, or make larger payments as you wish.
* Extended warranty: Get an extra year on the warranty of John Lewis products purchased with your card.
* 0% interest on purchases: You can apply for 0% interest on purchases for a set period, which can be helpful for larger purchases.
Drawbacks:
* Higher interest rate: Compared to other credit cards, the interest rate on the John Lewis Credit Card can be higher if you don't pay off your balance in full.
* Annual fee: There's a £24 annual fee for the card.
* Limited to John Lewis & Waitrose: While it can be used at other retailers, it doesn't offer the same benefits as a general credit card.
John Lewis Partnership Card (store card):
Benefits:
* 10% off your first purchase: This is a great incentive for new customers.
* Exclusive discounts and offers: You'll receive exclusive discounts and offers from John Lewis and Waitrose, often exceeding the regular credit card benefits.
* Interest-free credit: The card offers interest-free credit for up to 3 months, allowing you to spread the cost of your purchases without paying interest.
* Loyalty rewards: Earn loyalty points for spending, which can be redeemed for vouchers and discounts.
* Free returns: You can return items purchased with your card without hassle.
Drawbacks:
* Only valid at John Lewis & Waitrose: This card can only be used at John Lewis and Waitrose stores.
* Limited credit limit: The credit limit is often lower compared to a general credit card.
* Not suitable for general use: It's not a viable option for everyday spending outside John Lewis and Waitrose.
Ultimately, the best card for you will depend on your shopping habits and needs. If you primarily shop at John Lewis and Waitrose, the John Lewis Partnership Card (store card) might be beneficial due to its exclusive discounts and interest-free credit. If you want a card for wider use and want to earn rewards points, the John Lewis Credit Card might be a better option.