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Dual 20 Month Credit Card

You've been pre-approved for a Sainsbury’s Bank Dual Credit Card

Representative Example
Purchase rate With a representative Assumed Credit limit:

23.95% p.a. variable

23.9% APR variable

£1,200

Purchase rate

23.95% p.a. variable

With a representative

23.9% APR variable

Assumed Credit limit:

£1,200

For our decision to remain the same you must provide us with the same details entered on the price comparison site within 24 hours, and of course these are subject to our normal fraud, money laundering, bankruptcy and CCJ checks.

To apply in full, just click on the 'Apply' button below. And, just so you know, once you complete the application, your credit file will be updated to show other lenders that you applied for the card.

Your interest rate, promotional period and credit limit will vary depending on your individual circumstances.

Overview

Benefits

  • 0% interest on balance transfers up to your first 20 months. We may offer you a 0% interest period of 16 months depending on your individual circumstances
  • A Balance Transfer fee of 3% (£3 minimum) applies to transfers made within the first 90 days after application. After the 90 days, the fee will depend on any offer available at the time
  • 0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 months depending on your individual circumstances
  • Transfer money to your current account after opening your Sainsbury's Bank Credit Card at your money transfer interest rate with a fee of 4% (minimum £4). The charge will depend on the offer available at the time
  • No annual fee
  • You can pay with Google Pay™ and Apple Pay

    Google Pay Apple Pay


Rewards

Extra rewards with every basket

Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & swipe or scan your Nectar card. And you’ll collect at least 1 point per £5 elsewhere †

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

Personal Pricing

Your personal APR

We treat all our customers and their applications on an individual basis. The interest rate, promotional period and credit card limit 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 23.95% APR (variable) or 29.95% APR (variable). At least 51% of customers are offered our best and representative rate of 23.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.

0% interest on balance transfers up to your first 20 months. We may offer you a 0% interest period of 16 months depending on your individual circumstances.

0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 16 months depending on your individual circumstances.

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.

Important Information

Applying for your Sainsbury's Bank Credit Card will only take a few minutes. Before you start please read our 
summary box opens in new windowgeneral terms and conditions opens in new window and privacy statement opens in new window.

Please ensure this product suits your needs and you have considered that it is the right product for you.


Your pre-approval will expire in 24 hours. So if you apply after 24 hours, you won't be pre-approved and you'll need to start again.

Please note, we may not be able to process balance transfers from some providers. Check our exclusions.

Are you a Nectar member?

credit cards

If your circumstances are likely to change

We want to make sure that you can afford to repay the credit card you are applying for. If you are aware of any likely change to your circumstances that could increase your expenditure or reduce your income please give us a call on 0800 030 4429 to apply. Things to consider could be a reduction in your working hours, retirement, maternity / paternity leave or any increase in your living costs such as rent or mortgage payments. Lines are open 8am-7pm Mon-Fri and 8am-5pm Sat-Sun. Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.

Customers in vulnerable situations

At times life can be challenging. Additional support is available for any customer who is in a vulnerable situation. For instance you may need extra assistance if your physical or mental health is impaired by a serious illness or a challenging disability.

If you require your correspondence in another format eg. Braille / Audio, just contact us after you’ve completed your application and we can do this for you.

If anything could affect your ability to understand the application you are making today, please call us on 0800 030 44 18. We’ll be able to discuss your needs and offer suitable support. Lines are open 8am-7pm Mon-Fri and 8am-5pm Sat-Sun. Telephone calls may be recorded for security purposes and monitored under our quality control procedures. Calls are free from a landline and from a mobile when calling from the UK.

Terms and conditions

Important information
Sainsbury’s Bank 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 Credit Card on an individual basis. The interest rate, credit limit and promotional period we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ.

Google Pay is a trademark of Google LLC.

Apple, the Apple logo, Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.

† Up to 3 Nectar points per £2 spent
1.You can collect points by paying with your credit card.
2. We’ll award 1 point for each full £2 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK.
3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafés, Sainsbury’s e-Gift Cards and any other Sainsbury’s services.
4. We don’t award points on Travel Money purchases.
5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days.
6. You can collect additional points from Nectar partners, including up to 1 point per £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com
7. We and other Nectar partners may change the rate at which you collect points, or stop awarding them altogether at any time. If we do this, we’ll give you at least 30 days notice.
8. No cash alternative is available.
9. This offer is governed by English law and we reserve the right to change or cancel it without notice.