Credit Cards

Sainsbury's Finance offers a range of credit cards to suit your needs. Whether you need to transfer a balance or make a purchase, take a look at what we have to offer.
Purchases Balance   transfers   Representative APR (variable)
Sainsbury's Nectar Credit Card
Sainsbury's Nectar Credit Card
0% for 6 months 0% for 15 months* 16.9% APR

Double Nectar points for two years on Sainsbury's shopping**

Representative example: Your 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.

*3% balance transfer fee applies.

Sainsbury's Credit Card
Sainsbury's Credit Card
0% for 12 months 0% for 12 months* 16.9% APR

You cannot earn Nectar points with the Sainsbury's Credit Card.

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.

*3% balance transfer fee applies.

Low Rate Credit Card
Sainsbury's Low Rate Credit Card
6.95% p.a. (variable) 6.95% p.a. (variable) 6.9% APR

You cannot earn Nectar points with the Sainsbury's Low Rate Credit Card. No balance transfer fee.

Representative example: 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.

Purchases Balance   transfers   Representative APR (variable)
Sainsbury's Gold Credit Card - packed full of benefits at home & abroad Sainsbury's Gold Credit Card 9.94% p.a. (variable) 9.94% p.a. (variable) 20.1% APR

Ideal for customers who travel, with benefits worth up to £530.

Representative example: Your purchase rate is 9.94% p.a. variable, with a representative 20.1% APR variable based on borrowing £1,200 and repaying over 12 months. This card includes a fee of £5.00 per month.

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 for new customers only. If you are an existing customer please call us on 0800 030 4418 and we will let you know the options available to you.

†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 & swipe your Nectar Card. Terms & conditions apply, click 'find out more' for further details. Please have your Nectar card to hand when you apply. Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

Sainsbury's Finance is a trading name of Sainsbury's Bank plc. Sainsbury's Supermarkets Ltd is an appointed representative of Sainsbury's Bank plc.
Sainsbury's Bank plc, Registered Office, 33 Holborn, London EC1N 2HT (registered in England, no. 3279730) is authorised and regulated by the Financial Services Authority (FSA). Register no. 184514. The Financial Services Authority does not regulate Loans and Credit Cards.
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