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Sainsbury's Credit Card

Sainsbury's Credit Card offers 0% for 12 months on Sainsbury's shopping* and 0% for 10 months on all other shopping. There's also 0% for 10 months on balance transfers (3% BT fee applies).

  • 0% for the first 12 months on Sainsbury's shopping*
  • 0% for the first 10 months on balance transfers (+ 3% BT fee)
  • 0% for the first 10 months on all other purchases

15.9% APR typical variable.

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. 

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.

To be eligible you must :

  • 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
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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 your credit and repayment history. *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. You will get 0% for the first 9 months from account opening on non-Sainsbury's purchases. Thereafter, your personal APR for purchases will be either 15.9% APR (variable), 19.9% APR (variable), or 21.9% APR (variable). You will also get 0% for the first 9 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 15.9% APR  (variable).

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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.

Please note the online application form does not support Netscape browsers.

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 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). Registered number 184514.