Sainsbury's Nectar
Bonus Credit Card


Pay no interest on purchases for
18 months

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.

Find out more

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.

Find out more

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.

Find out more

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.

Find out more

Our Lowest APR

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

Find out more

Helpful guides

Explore our range of helpful guides.

Find out more

The Sainsbury's Nectar Credit Card is Available to new Sainsbury's Bank customers only. Existing customers call 0500 40 50 60. Excludes all bonus points offers and points from Sainsbury's Telecoms and Energy. Travel Money purchases are not eligible for points. Credit available subject to status to UK residents aged 18 or over.

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

Find out more

Apply now

Best for
Purchases & Rewards

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

Find out more

Apply now

Our lowest
Balance Transfer Fee

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

Find out more

Apply now

Best for
APR

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

Find out more

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% interestfor 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) 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 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 8 points per £1 spent on Sainsbury’s shopping & fuel for the first 3 months from account opening - capped at £1,000 per month**,
2 points per £1 spent on Sainsbury’s shopping & fuel after your first 3 months# and 1 Nectar point for every £5 spent on your card elsewhere from day one.
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
Monthly or 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 card are in addition to what you may accrue from also 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 Bonus Credit Card.

#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 earned 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.

We are using cookies on this website to enhance your browsing experience. You can read more information on our cookies by clicking the "Find out more about cookies" button. By continuing your journey on this site you consent to the continued use of cookies.

Find out more about cookies

Continue