Sainsbury's Credit Cards

Which card is right for you?

Not sure which card you need, Compare our credit card options, and pick the right one for you.

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0% interest on Balance Transfers for 31 months

Representative Example: Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable based on borrowing £1,200 and repaying over 12 months.

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0% interest on Purchases for
16 months

Representative Example:Purchase rate is 16.94% p.a. variable, with a representative 16.9% APR variable based on borrowing £1,200 and repaying over 12 months.

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Low Balance Transfer fee

Representative Example: Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable based on borrowing £1,200 and repaying over 12 months.

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Our Lowest APR

A low rate of 6.9% APR representative variable with no balance transfer fee.

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Helpful guides

Explore our range of helpful guides.

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Compare Our Credit Cards

Our range of credit cards include our Best for Balance Transfers credit card that offers our longest 0% offer on balance transfers whilst our Best for Purchases card is a 16 month 0% interest credit card on purchases. If you’re looking for a low rate APR, our Best for APR Rate card offers a rate of 6.9% APR representative variable, and our lowest Balance Transfer Fee card charges a fee of just 0.5%.

Best for
Balance Transfers

  • 0% on balance transfers for
    31 months
  • Our longest 0% offer on balance transfers

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Best for
Purchases

  • 0% on purchases and balance transfer for
    16 months
  • Our longest 0% offer on purchases

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Our lowest
Balance Transfer Fee

  • Our lowest balance transfer fee of 0.5%
  • 0% on balance transfer and purchases for
    12 months

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Best for
APR

  • A low rate of
    6.9% APR representative variable
  • No balance transfer fee

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APR Representative (variable) 18.9% APR 16.9% APR 18.9% APR 6.9% APR
Purchases 0% for the first
6 months*
0% for the first
16 months*
0% for the first
12 months*
6.95% p.a (variable)
Balance transfers 0% for the first
31 months*
0% for the first
16 months*
0% for the first
12 months*
6.95% p.a (variable)
Balance transfer fee 2.89% (minimum £3) during the first 3 months from account opening, then 3% onwards 3% (minimum £3) 0.5% (minimum £3) during the first 3 months from account opening, then 3% onwards No fee
Representative example Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable based on borrowing £1,200 and repaying over 12 months. Purchase rate is 16.94% p.a. variable, with a representative 16.9% APR variable based on borrowing £1,200 and repaying over 12 months. Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable based on borrowing £1,200 and repaying over 12 months. Purchase rate is 6.95% p.a. variable, with a representative 6.9% APR variable based on borrowing £1,200 and repaying over 12 months.
Nectar points Double Nectar points on Sainsbury's shopping# and 1 Nectar point for every £5 spent on your card elsewhere Double Nectar points on Sainsbury's shopping# and 1 Nectar point for every £5 spent on your card elsewhere Double Nectar points on Sainsbury's shopping# and 1 Nectar point for every £5 spent on your card elsewhere Double Nectar points on Sainsbury's shopping# and 1 Nectar point for every £5 spent on your card elsewhere
Monthly or annual fee No fee No fee No fee No fee

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These products are available to new Sainsbury's Bank credit card customers only. If you are an existing customer please call us on 0500 40 50 60 and we will let you know the options available to you.

*To keep your promotional rate, you must pay at least the minimum payment by the due date and stay within your credit limit.

†Customers who apply for our Sainsbury's Nectar Low Rate Credit Card will be assessed on an individual basis, the APR and the interest rate we offer will be determined by the details you supply, along with an independent verification of your credit and repayment history. Find out more about personal pricing.

#When you pay with your Sainsbury's Credit Card and swipe your Nectar card or use it online. View full Nectar points offer conditions.

Travel Money purchases are not eligible for points.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

Helpful guides

In our guides you’ll find more information on credit cards to help you choose the right one for you.

Guide to credit card security (PDF - 588KB) - A comprehensive look at credit card security, including tips for using your card safely online, how to protect your identity and scams to be aware of.

How to apply for a credit card - Information on how to apply, including factors to consider beforehand and how to use your new credit card safely.

Keeping your money safe abroad (PDF - 980KB) - A guide to ways to spend abroad including details on using cash, currency cards (or cash passports) and credit cards while you're away, how to keep them safe and what to do if you lose them.

Credit cards explained (PDF - 824KB) - a detailed guide to buying and using a credit card including explanations of key features as well as how to stay safe making purchases online.

Guide to PIN numbers - Information on what do you do if you PIN is lost or needs changed and how to pick a secure number.

Credit card glossary - a list of definitions to commonly used credit card terms.

What is a balance transfer? - A guide to balance transfers, explaining what they are, how they're used and limits and fees that could apply.

MasterCard and Visa - What's the difference? Compare the two largest payment systems.

To ensure our customers have the guidance they need to make the right decisions for them, we’ll update this section on an ongoing basis.

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