expanded Sainsbury's Bank Nectar Credit Cards

Sainsbury's Bank Credit Cards

We have a range of credit cards for purchases, balances transfers or a combination of both. And with all of our cards, every beep goes towards a little treat with Nectar points on every shop†. As a new customer, you'll also collect 750 bonus Nectar points every time you use our credit card to spend £35 or more on your Sainsbury's shopping. You can collect these points in your first two months on up to ten qualifying shops — that's 7,500 bonus Nectar points.^

Sainsbury's Bank
Balance Transfer Credit Cards
Up to 30 months 0% interest

Our longest offers on balance transfers. 

Representative example
Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200

Sainsbury's Bank
Purchase Credit Cards
Up to 29 months 0% interest

Our longest offers on purchases. 


Representative example

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200 
 

Sainsbury's Bank
Dual Offer Credit Card

Our dual balance transfer and purchase offer. 

Representative example
Purchase rate is 19.95% p.a. variable, with a representative 19.9% APR variable, assumed credit limit: £1,200

Important information
Sainsbury’s Bank Nectar Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Nectar Credit Card on an individual basis. The interest rate and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history. 

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

†Sainsbury’s Bank Credit Card Nectar points conditions:
2 Nectar points are collected on each full £1 of each separate shopping or fuel transaction at Sainsbury’s when you use your Sainsbury’s Bank Credit Card. Excludes Argos, Habitat, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s service which will be treated as non-Sainsbury’s purchases. For non-Sainsbury’s purchases, 1 Nectar point is collected on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury’s Supermarkets Ltd and Sainsbury’s Bank plc, who reserve the right to alter or terminate the offer at any time. Please allow up to 60 days from your credit card statement date for the points to be credited to your Nectar account. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

^Purchase bonus Nectar points conditions:
Offer is available to new Sainsbury's Bank credit card customers. Remember to add your Nectar card number to your application. To get your points you'll need to stay within your credit limit and make the minimum payment on your account by the due date. Spend with Argos, Habitat, Sainsbury’s Energy, Sainsbury’s Bank (including travel money) Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 10 days for you to receive your card before the 2 months begins. Your points will appear in your Nectar account 60 days after the end of your 2 month period. Sainsbury’s Supermarkets Ltd award the points from this offer. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

Balance Transfer Credit Cards

Balance Transfer Credit Cards


30 Month Balance Transfer

  • 0% interest on balance transfers for 30 months
  • 0% interest on purchases for 3 months

No Balance Transfer Fee

  • 0% interest on balance transfers for 26 months
  • 0% interest on purchases for 3 months
APR Representative variable 19.9% APR 20.9% APR

Representative example

(Your interest rate and credit limit will vary depending on your individual circumstances.)

Purchase rate is 19.95% p.a. variable, with a representative 19.9% APR variable, assumed credit limit: £1,200.

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200.

Balance transfers

0% interest for your first
30 months

0% interest for your first
26 months

Purchases

0% interest for your first
3 months

0% interest for your first
3 months

Balance transfer fee

Balance transfer fee of 1.5% (minimum £3) applies to transfers made within your first 3 months.  The charge will depend on your current offer thereafter.

No Balance transfer fee applies to transfers made within your first 3 months. The charge will depend on your current offer thereafter.

Money transfers

25.95% interest

25.95% interest

Money transfer fee

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Nectar points

Earn 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Earn 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Annual fee

No fee

No fee

  Apply now Apply now
Important information
Sainsbury’s Bank Nectar Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Nectar Credit Card on an individual basis. The interest rate and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history.

To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9G.

†Sainsbury’s Bank Credit Card Nectar points conditions:
2 Nectar points are collected on each full £1 of each separate shopping or fuel transaction at Sainsbury’s when you use your Sainsbury’s Bank Credit Card. Excludes Argos, Habitat, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s service which will be treated as non-Sainsbury’s purchases. For non-Sainsbury’s purchases, 1 Nectar point is collected on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury’s Supermarkets Ltd and Sainsbury’s Bank plc, who reserve the right to alter or terminate the offer at any time. Please allow up to 60 days from your credit card statement date for the points to be credited to your Nectar account. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

††Purchase Bonus Nectar points conditions:
Offer is available to new Sainsbury's Bank credit card customers. Remember to add your Nectar card number to your application. To get your points you'll need to stay within your credit limit and make the minimum payment on your account by the due date. Spend with Argos, Habitat, Sainsbury’s Energy, Sainsbury’s Bank (including travel money) Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 10 days for you to receive your card before the 2 months begins. Your points will appear in your Nectar account 60 days after the end of your 2 month period. Sainsbury’s Supermarkets Ltd award the points from this offer. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

Purchase Credit Cards

Purchase Credit Cards


Purchase Credit Card

  • 0% interest on purchases up to your first 29 months. We may offer you a 0% interest period of 26 or 23 months depending on your individual circumstances
  • 0% interest on balance transfers for 3 months


Dual Offer Credit Card

  • 0% interest on balance transfers for 29 months
  • 0% interest on purchases for 29 months


APR Representative variable 20.9% APR 19.9% APR

Representative example

(Your interest rate and credit limit will vary depending on your individual circumstances.)

Purchase rate is 20.95% p.a. variable, with a representative 20.9% APR variable, assumed credit limit: £1,200.

Purchase rate is 19.95% p.a. variable, with a representative 19.9% APR variable, assumed credit limit: £1,200.

Purchases

0% interest up to your first
29 months
We may offer you a 0% interest period of 26 or 23 months depending on your individual circumstances

0% interest for your first
29 months

Balance transfers


0% interest for your first
3 months

0% interest for your first
29 months

Balance transfer fee

Balance transfer fee of 3% (minimum £3) at application.  The charge will depend on your current offer thereafter

Balance transfer fee of 3% (minimum £3) at application.  The charge will depend on your current offer thereafter

Money transfers

25.95% interest

25.95% interest

Money transfer fee

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Money transfer fee of 4% (£4 minimum) at application. The charge will depend on your current offer thereafter

Nectar points

Earn 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points ††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Earn 750 bonus points each time you spend £35 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 7,500 points ††.

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†

Annual fee

No fee

No fee

  Apply now Apply now
Important information
Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury's Bank Nectar Credit Card on an individual basis. The interest rate and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history. To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Nectar points collected using your Credit Card are in addition to the points you collect from swiping your Nectar Card or using it online during a transaction.

Credit available subject to status to UK residents aged 18 or over from Sainsbury’s Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.


†Sainsbury’s Bank Credit Card Nectar points conditions:
2 Nectar points are collected on each full £1 of each separate shopping or fuel transaction at Sainsbury’s when you use your Sainsbury’s Bank Credit Card. Excludes Argos, Habitat, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s service which will be treated as non-Sainsbury’s purchases. For non-Sainsbury’s purchases, 1 Nectar point is collected on each full £5 of each separate transaction. Travel Money purchases are not eligible for points. Nectar points are awarded to you by Sainsbury’s Supermarkets Ltd and Sainsbury’s Bank plc, who reserve the right to alter or terminate the offer at any time. Please allow up to 60 days from your credit card statement date for the points to be credited to your Nectar account. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

††Purchase Bonus Nectar points conditions:
Offer is available to new Sainsbury's Bank credit card customers. Remember to add your Nectar card number to your application. To get your points you'll need to stay within your credit limit and make the minimum payment on your account by the due date. Spend with Argos, Habitat, Sainsbury’s Energy, Sainsbury’s Bank (including travel money) Sainsbury's Petrol Stations (including non-fuel purchases) and any refunded transactions are excluded. Your account will be opened within 2 working days of us receiving your signed agreement and we will allow 10 days for you to receive your card before the 2 months begins. Your points will appear in your Nectar account 60 days after the end of your 2 month period. Sainsbury’s Supermarkets Ltd award the points from this offer. Sainsbury's Bank reserves the right to alter or stop this offer without notice.

Retrieve an application

Find out more

Helpful guides

Helpful guides

In our guides you’ll find more information on credit cards to help you choose the right one for you.

Guide to credit card security (PDF - 588KB) - A comprehensive look at credit card security, including tips for using your card safely online, how to protect your identity and scams to be aware of.

How to apply for a credit card - Information on how to apply, including factors to consider beforehand and how to use your new credit card safely.

Credit cards explained (PDF - 824KB) - a detailed guide to buying and using a credit card including explanations of key features as well as how to stay safe making purchases online.

Guide to PIN numbers - Information on what do you do if you PIN is lost or needs changed and how to pick a secure number.

Credit card glossary - a list of definitions to commonly used credit card terms.

What is a balance transfer? - A guide to balance transfers, explaining what they are, how they're used and limits and fees that could apply.

Mastercard and Visa - What's the difference? Compare the two largest payment systems.

Guide to credit card fraud - Find out more about different types of fraud and how to protect yourself from them.

Using your credit card abroad - How to manage your credit card abroad, with tips on using it responsibly and keeping it secure.

What is phishing? - Information on how to recognise a phishing scam and what precautions to take to keep your account details safe.

ID theft - A guide to ID fraud, including information on how to protect your ID and tips to stay safe online.

Additional credit cardholders - Giving someone their own card lets you share the credit available on the account. See our guide for more details on liability, benefits and how to add cardholders to your account.

To ensure our customers have the guidance they need to make the right decisions for them, we’ll update this section on an ongoing basis.