John Lewis Credit Card

John Lewis credit card financial services is offering their new partnership credit card. With it, you'll get vouchers every time you spend. It also comes with a fixed zero percent rate on all balance transfers for the first six months after opening the account (although some conditions and a two and a half percent balance transfer fee apply) and a zero percent rate on all purchases for the first six months. Typically, this variable rate card is around sixteen point nine percent APR.

By shopping with the card, you'll earn points in the over twenty-five million MasterCard outlets around the world. These point convert to vouchers, which you'll get three times every year. In addition to this, you'll get access to exclusive offers and partnership cardholder events.

For every £1 you spend at in John Lewis branches, online, or via catalogue orders, or every £1 you spend at Ocado.com or in Waitrose shops, you'll get one point. For every £2 you spend in another location, you'll also get one point. Earn five hundred points to get £5 in vouchers. Special events and offers you'll have access to include discounts with national travel lines, free club memberships, dance classes, and plenty of other travel and leisure options.

When it comes to the card itself, you'll get the chance to pick from four different card designs. You can also manage your account online, get cash advances, and pick your own payment date. Conventional PIN security is augmented by a chip, and online shopping protection allows you to buy on the Internet with no worries. Your private electronic information will be kept completely private. If your card or card number are used fraudulently online, you'll be protected, too. You're not liable if a retailer uses your card details for unauthorized transactions, on their site or offline.

Remember that if you're aware of fraud or you give your details to a friend, you will be responsible for how it's used. You should also take care not to fall victim to phishing scams and other attempts to get your personal information. However, John Lewis has you covered in most situations, allowing you to shop without fear. You can even choose a Card Protection Plus Plan that lets you cancel and replace all cards with just one free phone call. You can make that card from anywhere in the world, and you're covered for a significant amount of damage if your card is used fraudulently.

There's no annual fee to use the partnership card. Interest is payable only if you don't pay the full balance off by your due date, though you'll have a zero percent rate for the first six months. Online services are free, and you can request the credit limit you want. If you're looking for a new credit card, this might just be the one for you.