Sainsbury's Credit Card
Exclusive for Nectar Card holders, you can enjoy 0% for the first 12 months on all shopping and balance transfers (3% BT fee applies).
- 0% for the first 12 months on purchases
- 0% for the first 12 months on balance transfers (3% BT fee)
New customers only. We may check your Nectar account to verify this.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
The table below is a representative example only, credit limits and interest rates vary depending on your individual circumstances.
| Your purchase rate | With a representative | Based on borrowing |
|---|---|---|
|
16.94% p.a. variable |
16.9% APR variable |
£1200 and repaying over 12 months |
Please note, whilst you need to provide your Nectar Card number when you apply for this credit card, it does not earn Nectar points.
Before you apply
Applying for your new Sainsbury's Credit Card will only take a few minutes. Before you start please read our summary box, terms and conditions and privacy statement.
Please ensure this product suits your needs and you have considered that it is the right product for you.
To be eligible you must:
- have a Nectar Card
- have a permanent UK address
- be 18 or over
- not have been declined for credit in the last month
- not have a history of bad credit
- not be an existing Sainsbury's Bank Credit Card holder
To speed your application along be sure to have the following to hand when applying:
- your bank/building society account details
- details of any loans, credit cards, store cards you have
- your employers name and address
As a responsible lender, under our current policy we are unable to approve more than 1 credit card for each customer. If you have any questions around this policy please contact us on 0800 032 1365.
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 verifications of your credit and repayment history. For the first 12 months from account opening you will get 0% on purchases. Thereafter, your personal APR for purchases will be either 16.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). 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 interest rates for balance transfers will be the same as for purchases. 51% of customers are offered our best and representative rate of 16.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.
Will my details be secure?
Rest assured, every online credit card application is protected by 128-bit encryption software.
After you've completed your online application, we'll carry out a credit check. And once that's approved, we'll send you the completed application (so you can sign it) along with a copy of our terms and conditions.
