For the first 12 months from account opening you will get 0% on purchases made at Sainsbury's. *Excludes Sainsbury's Telecoms and Energy which will be treated as non-Sainsbury's purchases. Sainsbury's Supermarkets Limited Nectar points conditions apply. Please see www.sainsburys.co.uk You will get 0% for the first 3 months from account opening on non-Sainsbury's purchases. Thereafter, your personal APR for purchases will be either 16.9% APR (variable), 19.9% APR (variable), or 21.9% APR (variable). You will also get 0% for the first 10 months from account opening on balance transfers (a fee of 3% applies for each balance transfer).
Thereafter your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best and typical rate of 16.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.
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