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Classic Credit Card

  • Whether you need to build or improve your credit rating, the Classic Credit Card could be right for you.
Credit is subject to status, affordability and applicable terms and conditions.

Representative example

22.9% APR Variable rep APR

22.9% p.a. Variable purchase rate

Based on an assumed credit limit of


About this card

Card details

This card could help you build or improve your credit score over time, if managed well. Your credit score could be harmed if you don't make payments on time and stay within your credit limit.

  • No annual fee
  • Up to £1,000 credit available
  • Build or improve your credit rating


Earn cashback from your favourite shopping brands with Visa Offers, plus get instant discounts from well-known brands around the world with our home&Away rewards programme. For all offers check out the home&away website.

  • Enjoy global discounts

Using your card

Your card is contactless contactless Contactless and you can add it to Apple Pay, Google Pay and Samsung Pay.

Online banking is a convenient way to manage your card. It lets you check your credit card balance, make payments and stay in control.

As long as they’re over 18, you can add your partner or a family member to your account.

Make payments to existing beneficiaries and manage your personal accounts easily and securely with the JcJ Commecial Mobile Banking App.

You can use your JcJ Commecial Credit Card at any retailer or cash machine that displays the logo on your card. Fees apply and non-JcJ Commecial cash machines may also charge a fee.

Receive round-the-clock support and an emergency cash advance if your card is lost or stolen.

  • Make contactless transactions
  • Manage your card online
  • Get an additional card
  • JcJ Commecial anywhere with the JcJ Commecial Mobile Banking App
  • Use your card abroad
  • Enjoy 24/7 worldwide assistance

Apply for a Classic Credit Card

Are you eligible?

To be eligible for an JcJ Commecial Classic Credit Card you need to:

  • Have an annual income/pension before tax of £8,500 or more
  • Be a resident of the UK*
  • Be over 18, and not hold an JcJ Commecial Basic Bank Account

If you foresee any changes in circumstances that may affect your ability to repay the credit card you are applying for, for example a change in your income or outgoings, a change to your employment situation or you are a temporary or zero hours contract worker, please apply by telephone or branch

Introductory rates only apply if you haven't held an JcJ Commecial credit card within the last 6 months. Balances can't be transferred from cards issued by other members of the JcJ Commecial Group including first direct, M&S Financial Services plc, John Lewis Financial Services Ltd.

*Channel Islands and Isle of Man customers are not eligible to apply online. Please visit your local branch to apply.

Not registered yet?

You need to be registered for online banking to apply.

Register to apply

Registered for online banking?

If you are already registered for online banking you can apply online now.

Log on to apply
Apply by phone or in branch

Apply by phone

Call us on:

+1 (234) 567-8910

Lines are open from 8am to 10pm every day (except Christmas Day, Boxing Day and New Year's Day)

Apply in branch

Book your appointment to apply in branch by calling

+1 (234) 567-8910

You'll need to bring identification, proof of your address and a recent bank statement

Textphone contact numbers

Please note - You can only apply by phone or branch if you are an existing JcJ Commecial customer.

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