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Credit cards

Credit cards

Apply for a credit card with Sainsbury’s Bank today. From balance transfers to purchases and earning bonus Nectar points when you spend instore and online, we have a selection of cards to choose from.

Explore our credit card offers

A credit card could be a great way to manage a big spend and can provide purchase protection too. With a Sainsbury’s Bank Credit Card, you can:

  • Collect up to 3 Nectar points for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing
  • Benefit from our Credit Card App and Online Banking to make managing your finances even easier

Representative 29.4% APR variable.

We have a range of credit cards for purchases, balance transfers or a combination of both. Take a look at our selection tool below to see what suits you best.

Everyday Credit Card

  • The rate you see is the rate you get
    You’re guaranteed to get 29.4% APR, if you’re accepted. 

  • Qualify for a reduction in your APR
    If you use your card on a regular basis and make all minimum payments on time, your account could be eligible for an APR reduction.

  • An initial credit limit between £1,000 - £2,000
    Enough to cover everyday needs and the occasional big spend.

  • Grow your card with credit limit increases 
    Your credit limit could increase if you use your card regularly and make at least the minimum payment on time every month. 

  • Collect up to 3 points per £2 spent at Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & scan your Nectar card or app. And you’ll get at least 1 point per £5 elsewhere †

Nectar credit card
Representative Example
Purchase rate With a representative Assumed credit limit

29.4% p.a. variable

29.4% APR variable

£1,200

Purchase rate

29.4% p.a. variable

With a representative

29.4% APR variable

Assumed credit limit

£1,200

Your credit limit will vary depending on your individual circumstances.

More information

 

APR Representative variable

29.4% APR

Balance transfers

29.4% interest

Balance transfer fee

A Balance Transfer fee of 3% applies to transfers made at application (£3 minimum). The charge will depend on the offer available at the time.

Purchases

29.4% interest

Money transfers

29.9% interest

Money transfer fee

After opening your Sainsbury's Bank Credit Card, transfer money to your current account at your money transfer interest rate with a standard fee of 4% (minimum £4).

Cash advances

29.9% interest

Cash advance fee

3% (minimum £3)

Nectar points

Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & swipe or scan your Nectar card. And you’ll get at least 1 point per £5 elsewhere

Annual fee

No fee

Mobile wallet

Google Pay and Apple Pay are available  

Accessing account

 

20 Month Balance Transfer Credit Card

  • 0% interest on balance transfers for 20 months

  • A Balance Transfer fee of 3% (£3 minimum) applies to transfers made within the first 90 days after application. After the 90 days, the fee will depend on any offer available at the time

  • 0% interest on purchases for 3 months

  • Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & scan your Nectar card or app. And you’ll get at least 1 point per £5 elsewhere 

Credit card surrounded by sunbeam
Representative Example
Purchase rate With a representative Assumed credit limit

28.95% p.a. variable

28.9% APR variable

£1,200

Purchase rate

28.95% p.a. variable

With a representative

28.9% APR variable

Assumed credit limit

£1,200

Your interest rate, promotional period and credit limit will vary depending on your individual circumstances.

More information

 

APR Representative variable

28.9% APR

Balance transfers

0% interest on balance transfers for 20 months.

Balance transfer fee

A Balance Transfer fee of 3% (£3 minimum) applies to transfers made within the first 90 days after application. After the 90 days, the fee will depend on any offer available at the time.

Purchases

0% interest for your first 3 months.

Money transfers

28.95% interest

Money transfer fee

Transfer money to your current account after opening your Sainsbury's Bank Credit Card at your money transfer interest rate with a fee of 4% (minimum £4). The charge will depend on the offer available at the time.

Nectar points

Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & swipe or scan your Nectar card. And you’ll get at least 1 point per £5 elsewhere  †

Annual fee

No fee

Mobile wallet

Google Pay and Apple Pay are available  

Accessing account

 

How do Credit Cards work?
 

A credit card lets you do day to day spending and borrow money to buy large, unexpected, or emergency purchases. The card you choose will have a pre-agreed limit on how much you can spend.

You receive a monthly bill or statement for the amount that you’ve spent over that period, plus any outstanding balance. This will outline what you need to pay back that you’ve borrowed – plus the interest rate of your card, which is also pre-agreed.

Your monthly statement includes:

  • The amount you’ve spent.
  • Any extra charges or interest added to your account.
  • The total you need to repay.
  • What payments you must make and how to make them.
  • How to contact your provider.
  • Your minimum payment.

There’s a minimum amount that must be paid back each month, which changes, depending on the current outstanding balance of your card. If you’re in a position to do so, you should always try to pay off the full balance if you can. This will mean you will not be charged interest.

The minimum payback per month can be as little as 1% of the remaining balance you need to repay, depending on your lender, plus charges and an annual fee (if applicable). It could be a set amount, like £5 or a percentage range – for example 3 to 5%.
 

Why apply for a Sainsbury’s Bank Credit Card?
 

  • Nectar Member Rewards – earn Nectar points when you spend on your Sainsbury’s Bank Credit Card including at Sainsbury’s, Argos, Habitat and TU Clothing.
  • Sainsbury’s Bank Credit Card App – manage your card on the go with the Sainsbury’s Bank Credit Card app – available on the App Store or Google Play.
  • Add cards to your digital wallet – if you use Apple Wallet or Google Pay, you can add your card to your Digital Wallet, ready to spend when you need to.
  • Save time with our credit card eligibility checker – answer a few easy questions to see how likely you are to be accepted for a credit card with us.

Worldwide use – use your Sainsbury’s Bank Credit Card at more than 35.5 million places globally, wherever you see the Mastercard, Visa or Maestro/Cirrus sign (this varies based on your card).
 

How to pick the right credit card for you

We have several credit cards to choose from. Picking the right one will depend on what you need it for, so here are a few things to consider.
 

What are you planning to spend the money on?

Whether you want to buy things online, use your credit card abroad or transfer any existing credit card debts, this will impact the type of card you choose.

  • Big purchases – if you’re thinking about getting a card to finance a big spend, a card with 0% interest on purchases for a specified time frame could be a good choice for you.
  • Paying off other credit card debt – if you’re planning to use your card to help pay off an existing credit card debt, a card with 0% interest on balance transfers could be right for you.

If you would like to discuss your options with us before applying, contact us to talk through your financial situation.
 

How will you repay your credit card debt?

Your credit card interest rate will play a big part in deciding which card is right for you.

If you’re paying off larger purchases over many months, having an interest-free period on a credit card could make payments less expensive.

However, if you’ve done your budgeting and are confident that you can pay off your balance in full and on time each month, a card’s interest rate may not be a priority for you. Instead, you could choose your card based on different incentives, such as rewards earned.

Already started your credit card application?

It’s easy to retrieve your saved online application.
 

Will my credit card application be accepted?

You can use our credit card eligibility checker to find out if we’re likely to approve your application. Just answer a few simple questions and we’ll work out your chance of approval. Don’t worry; this check won’t affect your credit score.
 

Nectar member rewards

Collect up to 3 points per £2 spent at Sainsbury's, Argos, Habitat and Tu Clothing when you use your credit card and scan your Nectar card or app. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†. Representative 29.4% APR variable.
 

Manage your finances 24/7

We have a Credit Card App and Online Banking to help make it even easier for you to manage your finances.

Helpful credit card guides

Using your credit card abroad

Using your credit card abroad

Explore the benefits and pitfalls of using your card abroad

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How to apply for a credit card

Find out all you need to know about how to get your new credit card

credit card security

Browse all tools and guides

From credit card security and ID theft to our handy glossary

Frequently asked questions

What does a credit card do?

A credit card lets you spend money up to a pre-agreed limit, by borrowing money from a bank. You will need to make monthly repayments, which include any interest or fees that are added on top of what you have spent. These fees will be listed on the terms and conditions of your card.

Will I be accepted for a credit card in the UK?

There are several factors that will affect whether you are accepted for a credit card. This includes things like your:

  • Credit history
  • Income and salary
  • Personal information

You can use our credit card eligibility checker to see if you are likely to be accepted by us for a Sainsbury’s Bank Credit Card.

How many credit cards can you have?

There is no legal limit to the number of credit cards you can have. It’s all up to the discretion of the card issuer, if they want to approve you for multiple credit cards.  As an issuer, Sainsbury’s Bank doesn’t allow customers to hold multiple Sainsbury’s Bank credit cards.

Having multiple credit cards has advantages and disadvantages.

Holding several credit cards could:

  • Improve your credit score, if you make repayments on time each month, as this can demonstrate to your lender that you are a reliable person to lend to.
  • Help you manage your spending on different things. For example, having one card for shopping purchases, another for using abroad etc.

However, having multiple credit cards may:

  • Make it difficult to track the different payments you need to make each month, which can become confusing if you don’t monitor this regularly.
  • Mean you may be denied credit, particularly if you currently have a lot of credit because of the multiple credit cards you hold. This could affect any new credit applications you make.

How much income must I have to apply for a credit card?

You must be able to afford repayments based on your regular income and expenditure. The decision on whether you’re accepted is all in the hands of your provider. You can use our credit card eligibility checker to check your eligibility for a Sainsbury’s Bank Credit Card.

How can I improve my credit score?

There are lots of different things that you can try to improve your credit score. These include:

  • Checking for any errors on your credit report that may affect your chances of being accepted
  • Making sure that all your personal details are up to date and you’re on the electoral register
  • Paying back any debts you currently have to help reduce the available credit you have

You also need to make it a priority to make all regular payments on time, to show that you are a reliable person to lend to.

Discover our guide to credit scores to find out more.

Terms and conditions

Apple, the Apple logo, Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay™ is available. Find out more.

 

Important information
Sainsbury’s Bank Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

† Up to 3 Nectar points per £2 spent
1.You can collect points by paying with your credit card.
2. We’ll award 1 point for each full £2 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
3. 
We’ll award at least 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafés, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
4. We don’t award points on Travel Money purchases.
5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
6. You can collect additional points from Nectar partners, including up to 1 point per £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
7. We and other Nectar partners may change the rate at which you collect points, or stop awarding them altogether at any time. If we do this, we’ll give you at least 30 days notice.
8. No cash alternative is available.
9. This offer is governed by English law and we reserve the right to change or cancel it without notice.