Take a look at what you get...

Great rates on purchases and balance transfers

0% for the first 12 months on Sainsbury's shopping

That's every time you shop instore, fill up at one of Sainsbury's petrol stations or shop online at sainsburys.co.uk* - there's no interest to pay for the first 12 months from account opening.

0% for the first 3 months on all other shopping

Whether you're hitting the High Street, eating out or holidaying abroad, wherever you use your credit card - there's no interest to pay on your purchases for the first 3 months from account opening.

0% for the first 10 months on balance transfers (+3% fee)

This could be just what you are looking for.  Switch all your outstanding credit or store card balances so you only have one single payment each month - there's no interest to pay for the first 10 months from account opening (a handling fee of 3% will apply to each balance transferred).

Any balances transferred after the first 10 months will be charged at 16.94% p.a. variable, 19.95% p.a. variable or 21.95% p.a. variable depending on your personal circumstances.

16.9% APR typical variable  

Earn Nectar points wherever you shop

Collect Nectar points on Sainsbury's shopping

Pay with your credit card and collect 2 points per £1 you spend*, that's in addition to any points earned with your Nectar collector card.

Collect Nectar points everywhere else too

You even earn Nectar points when you don't shop at Sainsbury's - 1 point per £5 you spend on your credit card.

With so many ways to earn points, you can look forward to Nectar treats much sooner.

Go to nectar.com to discover how you could treat yourself.

*Excludes Sainsbury's Telecoms and Energy which will be treated as non-Sainsbury's purchases. Sainsbury's Supermarket Limited Nectar point conditions apply. Please see www.sainsburys.co.uk Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank plc.  Sainsburys Bank plc, Registered Office, 33 Holborn, London, EC1N 2HT (registered in England No. 3279730) is authorised and regulated by the Financial Services Authority (FSA).    

Protect your payments against the unexpected

By taking out our optionalCreditcare payment protection you don't have to worry about how you would cope if the unexpected happens. Creditcare could cover your card repayments if you're ill, injured or lose your job. In addition in the event of your death or total permanent disability we will pay the outstanding balance on your card.

Protection against loss or theft

Our optionalCard Care is an simple way to protect all your financial cards against loss or theft.

Terms, conditions and exclusions apply to Creditcare and Card Care.

Easy access to cash

You can use your Sainsburys Credit Card to withdraw cash from over 19 million bank counters and over 800,000 ATM outlets worldwide. We charge a fee when you withdraw cash.

Manage your account online

With online servicing, you can keep control of your credit card account securely, 24 hours a day.

Safe and secure payments

As with all new credit and debit cards, the Sainsburys Credit Card comes with the added security of Chip and PIN. We also provide a fraud monitoring service and a free online guarantee that will safeguard against malicious online card use.

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Personal pricing

As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

For the first 12 months from account opening you will get 0% on purchases made at Sainsbury's. *Excludes Sainsbury's Telecoms and Energy which will be treated as non-Sainsbury's purchases. Sainsbury's Supermarkets Limited Nectar points conditions apply.  Please see www.sainsburys.co.uk   You will get 0% for the first 3 months from account opening on non-Sainsbury's purchases. Thereafter, your personal APR for purchases will be either 16.9% APR (variable), 19.9% APR (variable), or 21.9% APR (variable). You will also get 0% for the first 10 months from account opening on balance transfers (a fee of 3% applies for each balance transfer).

Thereafter your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best and typical rate of 16.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank plc.

Sainsburys Bank plc, Registered Office, 33 Holborn, London, EC1N 2HT (registered in England, no 3279730) is authorised and regulated by the Financial Services Authority (FSA).

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