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Sainsbury's Low Rate Credit Card

The Sainsbury's Low Rate Credit Card is exclusive for Nectar card holders and comes with a market leading low rate and no balance transfer fee.

Sometimes, you just want to keep things simple. So here it is. A low rate credit card that offers a market-leading rate of 6.9% APR representative variable.

What’s more, there are no balance transfer fees when transferring a balance from another card.

  • 6.9% APR Representative variable
  • No fees on balance transfers
  • Purchase rate of 6.95% p.a. variable

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
6.95%
p.a. variable

 6.9% 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.

New customers only.

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
Apply with your Nectar card

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 verification of credit and repayment history. Your personal APR will be either 6.9% APR (variable), 9.9% APR (variable), or 12.9% APR (variable). 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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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.

Credit available subject to status to UK residents aged 18 or over from 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).

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.