Balance Transfer 18 months 0% interest

John Lewis Partnership Card

There are a lot of things to consider when shopping for a brand new credit card, which is why comparing and contrasting the options is key. It doesn’t matter whether you are looking for a credit card for bad credit or a balance transfer credit card, you won’t find yourself short of options. As there are a number of credit cards to choose from, it’s not too difficult to find one that ticks every box. A lot of people opt for the John Lewis credit card, as it has a lot to offer. As well as offering points for spending in John Lewis stores, the John Lewis credit card offers low introductory rates and a low APR. These are not benefits that all credit cards are able to offer. 

Who Can Apply For A Credit Card John Lewis?

As is the case with all credit cards, you must meet certain requirements in order to be approved for a John Lewis credit card. To get your hands on the John Lewis credit card, you must be over the age of 18 and a UK resident. These are requirements that all credit cards have and they are not unique to credit cards at John Lewis. You must also have a minimum income of £6,750 and those that don’t will not be approved. There are a number of credit cards for bad credit out there, but the John Lewis credit card is not one of them. If you have bad credit and need a credit card, it’s best to focus on credit cards for bad credit as approval is likely.

What Does The Credit Card John Lewis Offer?

• The John Lewis credit card has an APR of 18.9% and this is fairly low. Though there are other credit cards out there with low APRs, the John Lewis credit card is certainly one of the lowest.

• With the John Lewis credit card, you will receive 0% interest on balance transfers for the first 18 months. This is helpful if you are looking to use the credit card as a balance transfer credit card.

• The John Lewis credit card offers a rate of 0% on purchases for the first nine months. After this initial time period, the rate increases to the standard 18.9%. This is similar to what other credit cards offer new card holders.

• When you shop using the John Lewis credit card, you will earn one point for every £1 spent at John Lewis, Waitrose and John Lewis Insurance online or in store. You will earn one point for every £2 spent elsewhere and you will earn double points on selected insurances taken out through John Lewis Financial Services.

There are a number of benefits to choose a credit card with John Lewis, such as the low APR and the ability to earn a significant number of points whilst shopping. These are not benefits that all other credit cards offer.