Sainsbury's Nectar
Credit Cards

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 33 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
18 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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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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The Sainsbury's Nectar Credit Card is Available to new Sainsbury's Bank customers only. 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 Plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

Compare Our Credit Cards

Our range of credit cards include our Best for Balance Transfers credit card that offers our longest 0% interest offer on balance transfers whilst our Best for Purchases card is a 18 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% interest on balance transfers for 33 months
  • Our longest 0% offer on balance transfers

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Best for
Purchases

  • 0% interest on purchases and balance transfers for 18 months
  • Our longest 0% interest offer on purchases

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Our lowest
Balance Transfer Fee

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

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Apply now

Our lowest
APR

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

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Apply now

APR Representative (variable) 18.9% APR 18.9% APR 18.9% APR 6.9% APR
Purchases 0% interest for the first
6 months*
0% interest for the first
18 months*
0% interest for the first
12 months*
6.95% p.a interest (variable) †
Balance transfers 0% interest for the first
33 months*
0% interest for the first
18 months*
0% interest for the first
12 months*
6.95% p.a (variable) †
Balance transfer fee 2.89%, minimum £3, balance transfer fee applies on tranfers made within your first 3 months (3% afterwards) 3% (minimum £3) 0.5%, minimum £3, fee applies on tranfers made within your first 3 months (3% afterwards) 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 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 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 2 Nectar points per £1 spent on Sainsbury's shopping & fuel # and 1 Nectar point for every £5 spent on your card elsewhere 2 Nectar points per £1 spent on Sainsbury's shopping & fuel # and 1 Nectar point for every £5 spent on your card elsewhere 2 Nectar points per £1 spent on Sainsbury's shopping & fuel # and 1 Nectar point for every £5 spent on your card elsewhere 2 Nectar points per £1 spent on Sainsbury's shopping & fuel # and 1 Nectar point for every £5 spent on your card elsewhere
Annual fee No fee No fee No fee No fee

Apply now

Apply now

Apply now

Apply now

These products are available to new Sainsbury's Bank credit card customers only.

Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

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

#When you pay with your Sainsbury's Nectar Credit Card.

†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.

Sainsbury's Nectar Credit Card Nectar point conditions:

2 Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury's. Excludes all bonus points offers and points from Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. For non-Sainsbury's purchases 1 Nectar point is collected on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd and Sainsbury's Bank plc, who reserve the right to alter or terminate the Nectar point offer at any time, but will give as much notice as is reasonably possible before doing so. Points may take up to six weeks to appear on your account. The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available on nectar.com

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.

Guide to credit card fraud - Find out more about different types of fraud and how to protect yourself from them.

Using your credit card abroad - How to manage your credit card abroad, with tips on using it responsibly and keeping it secure.

What is phishing? - Information on how to recognise a phishing scam and what precautions to take to keep your account details safe.

ID theft - A guide to ID fraud, including information on how to protect your ID and tips to stay safe online.

Additional credit cardholders - Giving someone their own card lets you share the credit available on the account. See our guide for more details on liability, benefits and how to add cardholders to your account.

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.

Balance Transfer Cards

Sainsbury's Nectar
Credit Card

Sainsbury's Nectar Credit Card
  • Collect Nectar points
    wherever you shop
  • Introductory offers
    on Purchases & Balance Transfers

Find out more

Apply now

Sainsbury's
Cashback Credit Card

Sainsbury's Cashback Credit Card
  • Earn cashback
    on your purchases
  • Introductory offers
    on Purchases & Balance Transfers

Find out more

Apply now

APR Representative (variable) 17.9% APR 17.9% APR
Purchases 0% for the first 6 months 0% for the first 6 months
Balance transfers 0% for the first 15 months 0% for the first 15 months
Balance transfer fee 3% 3%
Representative example Purchase rate is 17.95% p.a. variable, with a representative 17.9% APR variable based on borrowing £1,200 and repaying over 12 months. Purchase rate is 17.95% p.a. variable, with a representative 17.9% APR variable based on borrowing £1,200 and repaying over 12 months.
Introductory Reward 10 Nectar points per £1 spent on Sainsbury's shopping for the first 3 months from account opening (capped at £1,000 spend per month)# and 1 Nectar point for every £5 spent on your card elsewhere 5% Cashback on Sainsbury's shopping for 3 months from account opening (capped at £50 per month)*
Ongoing reward After the first 3 months collect 4 points per £1 on Sainsbury's shopping# and 1 Nectar point for every £5 spent on your card elsewhere £5 cashback each month when you spend at least £250 per month on Sainsbury's shopping and at least £250 per month elsewhere**
Monthly or annual fee No fee No fee

Apply now

Apply now

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

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.

Refunded purchases, cash advance transactions (as defined in the Terms & Conditions of your account), and foreign currency purchases, are not eligible for cashback or Nectar points.

†As we treat all our customers and their applications on an individual basis, the APR and the interest rate we offer are 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 Nectar Credit Card and swipe your Nectar card. Introductory 10 point offer capped at £1,000 spend per month. Points differ on Sainsbury's fuel - Find out more.

*For each of the first three months from account opening, we will give you a rebate of 5% of the value of all eligible purchases at Sainsbury's (once any purchases refunded in the period have been deducted) on your account. The rebates will be shown on the statement in the following month, up to a maximum of £50 per month. Cashback payment is free from income tax.

**For any statement period in which you: a) make at least £250 of purchases at Sainsbury's (once any purchases refunded in that period have been deducted); and b) make at least £250 of purchases elsewhere (once any purchases refunded in that period have been deducted), you will qualify for £5 credit to your account in the following statement period.

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

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