Sainsbury's Bank credit cards

Sainsbury’s won the award for Best Telephone Customer Service in our annual Credit Card Awards. Sainsbury’s credit cards typically offer competitive APRs while utilising their Nectar rewards scheme.

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Sainsbury's Bank Nectar Balance Transfer Credit Card

2015 award winner
0% Balance Transfer Reward No Annual Fee

Sainsbury's Bank Nectar Balance Transfer Credit Card

Features
  • 34 months 0% on balance transfers
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 2.89% transfer fee (first 3 months), 3% thereafter
more info
18.9% APR
Representative (variable)
34
 months
0% interest on transfers
2.89%
Transfer fee
6
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

Sainsbury's Bank Nectar Low Rate Credit Card

2015 award winner
Reward Low APR

Sainsbury's Bank Nectar Low Rate Credit Card

Features
  • 9.9% rate with no monthly or annual fee
  • Collect 2 Nectar points per £1 spent on Sainsbury's shopping and fuel
  • 1 Nectar point for every £5 spent elsewhere
more info
9.9% APR
Representative (variable)
Apply
Will I get this card?
To get this card you must:
  • be a permanent UK resident
  • be 18 or older
  • have a good credit rating
  • not have been declined for credit in the last month
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 9.93% (variable) per annum, your representative APR is 9.9% APR (variable).

Sainsburys Nectar Purchase Card

2015 award winner
0% Balance Transfer 0% Purchase Reward

Sainsburys Nectar Purchase Card

Features
  • Collect 2 points per £1 spent on Sainsbury's shopping and fuel
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • No cash advance fee on Sainsbury’s Travel Money purchases
more info
18.9% APR
Representative (variable)
19
 months
0% interest on transfers
3.0%
Transfer fee
19
 months
0% interest on purchases
Apply
Will I get this card?
To get this card you must:
  • have a permanent UK address
  • be over 18 years of age
  • not have been declined for credit in the last month
  • not have a history of bad credit
  • not be an existing Sainsbury's Bank Credit Card holder
Representative example: When you spend £1,200 at a rate of 18.95% (variable) per annum, your representative APR is 18.9% APR (variable).

Sainsbury's Bank credit cards

Sainsbury’s was the first major British supermarket to open a bank in February 1997.

Their Nectar points loyalty scheme allows Sainsbury’s customers to earn points as they shop, which they can later redeem instead of cash in Sainsbury’s and selected retailers.

Their credit cards often include the Nectar rewards scheme, allowing customers to earn extra points on certain purchases or earn points on all their shopping, whether it’s at Sainsbury’s or not.

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