Explore our credit card offers

A credit card could be a great way to manage a big spend and can provide purchase protection too. With a Sainsbury’s Bank Credit Card, you also can collect up to 3 Nectar points per £1 when you shop at Sainsbury’s, Argos and Tu Clothing. And you‘ll collect 1 point per £5 elsewhere†. Representative 21.9% APR variable.

We have a range of credit cards for purchases, balances transfers or a combination of both, see what suits you best.



Nectar Reward Credit Card

  • For Nectar members only. You should have been a member for at least 6 months
  • 0% interest on balance transfers for up to 17 months
  • 0% interest on purchases for up to 17 months
  • Collect 10,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos or Tu Clothing during the 2 months after your account is opened*

Representative Example

Purchase rate
With a representative
Assumed Credit Limit:

20.95%

p.a. variable

20.9% APR

variable

£1,200

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

APR Representative variable

20.9% APR

Balance transfers

0% interest on balance transfers for up to 17 months. We may offer you a 0% interest period of 14 or 12 months depending on your individual circumstances

Balance transfer fee

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

Purchases

0% interest on purchases for up to 17 months. We may offer you a 0% interest period of 14 or 12 months depending on your individual circumstances

Money transfers

25.95% interest

Money transfer fee

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

Nectar points

Collect 10,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos or Tu Clothing during the 2 months after your account is opened*

Collect up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†

Annual fee

No fee

Mobile wallet

Google Pay is available Google Pay

Find out more


Balance Transfer Credit Card

  • 0% interest on balance transfers for up to 27 months
  • 0% interest on purchases for 3 months
  • Collect 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††

Representative Example

Purchase rate
With a representative
Assumed Credit Limit:

21.95%

p.a. variable

21.9% APR

variable

£1,200

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

APR Representative variable

21.9% APR

Balance transfers

0% interest on balance transfers for up to 27 months. We may offer you a 0% interest period of 23 or 19 months depending on your individual circumstances

Balance transfer fee

Balance transfer fee of 3% applies on transfers made at application. The charge will depend on your current offer thereafter

Purchases

0% interest for your first 3 months

Money transfers

25.95% interest

Money transfer fee

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

Nectar points

Collect 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 up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†

Annual fee

No fee

Mobile wallet

Google Pay is available Google Pay

Find out more


Low Fee Credit Card

  • 0% interest on balance transfers for up to 25 months
  • 0% interest on purchases for 3 months
  • Collect 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††

Representative Example

Purchase rate
With a representative
Assumed Credit Limit:

20.95%

p.a. variable

20.9% APR

variable

£1,200

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

APR Representative variable

20.9% APR

Balance transfers

0% interest on balance transfers up to your first 25 months. We may offer you a 0% interest period of 21 or 17 months depending on your individual circumstances

Balance transfer fee

Balance transfer fee of 1.85% (1.99% initial fee reduced by refund, £3 minimum) applies on transfers made at application. The charge will depend on your current offer thereafter^

Purchases

0% interest for your first 3 months

Money transfers

25.95% interest

Money transfer fee

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

Nectar points

Collect 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 up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†

Annual fee

No fee

Mobile wallet

Google Pay is available Google Pay

Find out more


Dual Offer Credit Card

  • 0% interest on balance transfers for up to 20 months
  • 0% interest on purchases for up to 20 months
  • Collect 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††

Representative Example

Purchase rate
With a representative
Assumed Credit Limit:

21.95%

p.a. variable

21.9% APR

variable

£1,200

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

APR Representative variable

21.9% APR

Balance transfers

0% interest on balance transfers up to your first 20 months. We may offer you a 0% interest period of 12 months depending on your individual circumstances

Balance transfer fee

Balance transfer fee of 3% applies on transfers made at application. The charge will depend on your current offer thereafter

Purchases

0% interest on purchases for up to 20 months. We may offer you a 0% interest period of 12 months depending on your individual circumstances

Money transfers

25.95% interest

Money transfer fee

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

Nectar points

Collect 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 up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†

Annual fee

No fee

Mobile wallet

Google Pay is available Google Pay

Find out more


No Fee Balance Transfer Credit Card

  • 0% interest on balance transfers for up to 18 months
  • No balance transfer fee within your first 3 months
  • 0% interest on purchases for your first 3 months
  • Collect 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††

Representative Example

Purchase rate
With a representative
Assumed Credit Limit:

20.95%

p.a. variable

20.9% APR

variable

£1,200

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

APR Representative variable

20.9% APR

Balance transfers

0% interest on balance transfers up to your first 18 months. We may offer you a 0% interest period of 14 or 10 months depending on your individual circumstances

Balance transfer fee

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

Purchases

0% interest on purchases for your first 3 months

Money transfers

25.95% interest

Money transfer fee

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

Nectar points

Collect 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 up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†

Annual fee

No fee

Mobile wallet

Google Pay is available Google Pay

Find out more

Already started your credit card application?

It’s easy to retrieve your saved online application.

Will my credit card application be accepted?

You can use our credit card checker to find out if we’re likely to approve your application. Just answer a few simple questions and we’ll work out your chance of approval. Don’t worry; this check won’t affect your credit score.

Nectar member rewards

Collect up to 3 points per £1 spent at Sainsbury's, Argos and Tu Clothing when you use your credit card and swipe your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†. Representative 21.9% APR variable.


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Terms and conditions

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

*10,000 bonus Nectar points conditions
1. This offer is only available when you take out a new Sainsbury’s Bank Nectar Reward Credit Card.
2. You’ll get 10,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos or Tu Clothing during the 2 months after your account is opened.
3. Points will be added to your Nectar account within 60 days of the end of the offer period.
4. This offer can’t be used in conjunction with any other introductory points offer.
5. You need to add your Nectar card number to your application.
6. Spend at Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy and any other Sainsbury’s services is excluded.
7. You won’t get any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
9. Sainsbury’s Bank reserve the right to change or cancel this offer without notice.

^Low Balance Transfer Refund conditions
The offer applies to balance transfers that are made within 3 months of account opening. The balance transfer fee charged is 1.85% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 1.99% and a refund of the 0.14% will be applied to your account. This refund will be processed within 60 days of the balance transfer being made. The refund will appear on your statement. After 3 months from account opening, the charge will depend on your current offer thereafter. Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time. You can find details of our latest balance transfer offers at www.sainsburysbank.co.uk.

†Up to 3 Nectar points per £ conditions
1. You can collect points by paying with your credit card.
2. We’ll award 2 points for each full £1 spent at Sainsbury’s, Argos 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 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 in Sainsbury’s, Argos 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. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.

††Collect up to 7,500 Nectar points
1. This offer is only available when you take out a new credit card.
2. You’ll get 750 bonus Nectar points when you use your card to buy £35 or more of Sainsbury’s shopping, up to 10 times during the 2 months after we open your account.
3. We’ll add the points to your Nectar account within 60 days of the end of the offer period.
4. You need to tell us your Nectar card number when you apply.
5. Spend at Argos, Habitat, Sainsbury’s petrol stations (including non-fuel purchases), Sainsbury's Bank (including travel money), Sainsbury’s Energy and any other Sainsbury's services is excluded.
6. We won’t give you any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date.
7. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available.
8. We reserve the right to change or cancel this offer without notice.