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Personal Pricing

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.

Sainsbury's Nectar Credit Card

For the first 6 months from account opening you will get 0% on all purchases. You will also get 0% for the first 15 months from account opening on balance transfers (a fee of 3% applies for each balance transfer).Thereafter, your personal APR will be either 16.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). At least 51% of customers are offered our best and representative rate of 16.9% APR (variable).

Sainsbury's Credit Card

For the first 12 months from account opening you will get 0% on all purchases. You will also get 0% for the first 12 months from account opening on balance transfers (a fee of 3% applies for each balance transfer). Thereafter, your personal APR will be either 16.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). At least 51% of customers are offered our best and representative rate of 16.9% APR (variable).

Sainsbury's Low Rate Credit Card

Your personal APR will be either 6.9% APR (variable), 9.9% APR (variable), or 12.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 6.9% APR (variable).

We'll let you know your interest rate as soon as we've assessed your application.


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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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