Credit Cards

5,000 bonus Nectar points for new customers^
Offer extended - apply by 29th December 2016

When you use our credit card to spend £800 on Sainsbury's shopping or fuel in the first 3 months.

expanded Sainsbury's Bank Nectar Credit Cards

Sainsbury's Bank Nectar Credit Cards

Whether you’re looking for a credit card for purchases or for balance transfers we think you’ll find one in our range. Whatever one you choose you’ll be able to collect Nectar points when you pay with the card†. And as a new customer, you'll qualify for 5,000 extra Nectar points when you use our credit card to spend £800 on Sainsbury's shopping or fuel in the first 3 months. Offer extended - apply by 29th December 2016^.

Sainsbury's Bank
Balance Transfer Credit Cards
Up to 40 months 0% interest

Our longest offers on balance transfers. 

Representative example
Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200 
 

Sainsbury's Bank
Purchase Credit Cards
Up to 27 months 0% interest

Our longest offers on purchases. 

Representative example

Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200 
 

Sainsbury's Bank
Low Rate Credit Card
 

A simple low rate on purchases and on balance transfers.

Representative example

Purchase rate is 9.93% p.a. variable, with a representative 9.9% 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. Find out more about personal pricing.

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 plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

^Bonus Nectar points conditions:

Offer has been extended and is available to new Sainsbury's Bank customers only who apply and take out a Sainsbury's Bank Credit Card between 25th May 2016 and 29th December 2016. Spend £800 or more on Sainsbury's shopping or fuel with your Sainsbury's Bank credit card during the first 3 months from account opening and be rewarded with 5,000 bonus Nectar points. Account will be opened within 2 working days of us receiving your signed agreement. Excludes Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. Travel Money purchases are not eligible for points. Nectar card number must be supplied at time of application. Please allow up to 60 days from your Credit Card statement date for the points to be credited to your Nectar account – these points will not be shown on your credit card statement. To continue to be eligible for bonus Nectar points you must pay at least your minimum payment on your credit card account by the due date and stay within your credit limit. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The way you collect and spend points is decided by the Nectar Collector Rules, which are set out in the registration pack and at nectar.com. Sainsbury's Bank reserve the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

†Sainsbury’s Bank Nectar Credit Cards Nectar points conditions:

2 Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury’s. Excludes Sainsbury’s Telecoms and Energy, which will be treated as non-Sainsbury’s purchases. For non-Sainsbury’s purchases 1 Nectar point is earned 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 points to be credited to your Nectar account. The Nectar loyalty programme is operated independently of Sainsbury’s Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available at nectar.com.

Balance Transfer Credit Cards

Balance Transfer Credit Cards


Long Balance Transfer Credit Card
  • 0% interest on balance transfers for 40
    months
  • 0% interest on purchases for 3 months

Low Balance Transfer Fee Credit Card
  • 0% interest on balance transfers for 33
    months
  • 0% interest on purchases for 3 months
No Balance Transfer Fee Credit Card
  • No balance transfer fee for 3 months
  • 0% interest on balance transfers for 22 months
Dual Offer Credit Card
  • 0% interest on balance transfers for 24
    months
  • 0% interest on
    purchases for 24
    months
APR Representative variable 18.9% APR 18.9% APR 18.9% APR 18.9% APR
Representative example
(Your interest rate and credit limit will vary depending on your individual circumstances.)
Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200. Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200. Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200. Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200.
Balance transfers 0% interest for your first
40 months
0% interest for your first
33 months
0% interest for your first
22 months
0% interest for your first
24 months
Purchases 0% interest for your first
3 months
0% interest for your first
3 months
0% interest for your first
3 months
0% interest for your first
24 months
Balance transfer fee 2.42% balance transfer fee by refund applies for Nectar card holders on transfers made within your first 3 months. 3% afterwards (minimum £3 at all times).*

If you do not have a Nectar card, your balance transfer fee will be 2.89% in your first 3 months, 3% afterwards (min. £3 fee at all times).
0.69% balance transfer fee by refund applies for Nectar card holders on transfers made within your first 3 months. 3% afterwards (minimum £3 at all times).**

If you do not have a Nectar card, your balance transfer fee will be 1.5% in your first 3 months, 3% afterwards (min. £3 fee at all times).
No balance transfer fee applies on transfers made within the first 3 months, 3% afterwards (minimum £3) 3% balance transfer fee applies (minimum £3)
Nectar points 2 points per £1 spent on Sainsbury's shopping & fuel and 1 point for every £5 spent on your card elsewhere†
2 points per £1 spent on Sainsbury's shopping & fuel and 1 point for every £5 spent on your card elsewhere†
2 points per £1 spent on Sainsbury's shopping & fuel and 1 point for every £5 spent on your card elsewhere†
2 points per £1 spent on Sainsbury's shopping & fuel and 1 point for every £5 spent on your card elsewhere†
Annual fee No fee No fee No fee No fee
  Apply now Apply now 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. Find out more about personal pricing.

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 plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

^Bonus Nectar points conditions:

Offer has been extended and is available to new Sainsbury's Bank customers only who apply and take out a Sainsbury's Bank Credit Card between 25th May 2016 and 29th December 2016. Spend £800 or more on Sainsbury's shopping or fuel with your Sainsbury's Bank credit card during the first 3 months from account opening and be rewarded with 5,000 bonus Nectar points. Account will be opened within 2 working days of us receiving your signed agreement. Excludes Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. Travel Money purchases are not eligible for points. Nectar card number must be supplied at time of application. Please allow up to 60 days from your Credit Card statement date for the points to be credited to your Nectar account – these points will not be shown on your credit card statement. To continue to be eligible for bonus Nectar points you must pay at least your minimum payment on your credit card account by the due date and stay within your credit limit. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The way you collect and spend points is decided by the Nectar Collector Rules, which are set out in the registration pack and at nectar.com. Sainsbury's Bank reserve the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

*Balance Transfer Fee Refund conditions:

Offer available to new customers with a Nectar card who apply and take out a Sainsbury's Bank Long Balance Transfer Nectar Credit Card. The offer applies to balance transfers that are made within 3 months of account opening. Account will be opened within 2 working days of us receiving your signed agreement. The balance transfer fee charged is 2.42% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 2.89% and a partial refund of 0.47% of the transferred balance is refunded directly to your account. This refund will be processed within 60 days of the balance transfer being made. The refund will appear on your statement. Please make sure you tell us your Nectar card number when you apply to ensure you receive the offer. 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.

**Long Balance Transfer Fee Refund conditions:

Offer available to new customers with a Nectar card who apply and take out a Sainsbury's Bank Low Balance Transfer Fee Credit Card. The offer applies to balance transfers that are made within 3 months of account opening. Account will be opened within 2 working days of us receiving your signed agreement. The balance transfer fee charged is 0.69% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 1.5% and a partial refund of 0.81% of the transferred balance is refunded directly to your account. This refund will be processed within 60 days of the balance transfer being made. The refund will appear on your statement. Please make sure you tell us your Nectar card number when you apply to ensure you receive the offer. If you do not have a Nectar card, your balance transfer fee will be 1.5% in your first 3 months, 3% afterwards (min. £3 fee at all times). 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.

†Sainsbury’s Bank Nectar Credit Cards Nectar points conditions:

2 Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury’s. Excludes Sainsbury’s Telecoms and Energy, which will be treated as non-Sainsbury’s purchases. For non-Sainsbury’s purchases 1 Nectar point is earned 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 points to be credited to your Nectar account. The Nectar loyalty programme is operated independently of Sainsbury’s Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available at nectar.com.

Purchase Credit Cards

Purchase Credit Cards


Purchase Credit Card
  • 0% interest on purchases for 27 months
  • 0% interest on balance transfers for 18 months
Dual Offer Credit Card
  • 0% interest on balance transfers for 24 months
  • 0% interest on purchases for 24 months
APR Representative variable 18.9% APR 18.9% APR
Representative example
(Your interest rate and credit limit will vary depending on your individual circumstances.)
Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200. Purchase rate is 18.95% p.a. variable, with a representative 18.9% APR variable, assumed credit limit: £1,200.
Purchases 0% interest for your first
27 months
0% interest for your first
24 months
Balance transfers
0% interest for your first
18 months
0% interest for your first
24 months
Balance transfer fee 3% balance transfer fee applies (minimum £3) 3% balance transfer fee applies (minimum £3)
Nectar points 2 points per £1 spent on Sainsbury's shopping & fuel and 1 point for every £5 spent on your card elsewhere†
2 points per £1 spent on Sainsbury's shopping & 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. Find out more about personal pricing.

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 plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

^Bonus Nectar points conditions:

Offer has been extended and is available to new Sainsbury's Bank customers only who apply and take out a Sainsbury's Bank Credit Card between 25th May 2016 and 29th December 2016. Spend £800 or more on Sainsbury's shopping or fuel with your Sainsbury's Bank credit card during the first 3 months from account opening and be rewarded with 5,000 bonus Nectar points. Account will be opened within 2 working days of us receiving your signed agreement. Excludes Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. Travel Money purchases are not eligible for points. Nectar card number must be supplied at time of application. Please allow up to 60 days from your Credit Card statement date for the points to be credited to your Nectar account – these points will not be shown on your credit card statement. To continue to be eligible for bonus Nectar points you must pay at least your minimum payment on your credit card account by the due date and stay within your credit limit. Nectar points are awarded to you by Sainsbury's Supermarkets Ltd. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The way you collect and spend points is decided by the Nectar Collector Rules, which are set out in the registration pack and at nectar.com. Sainsbury's Bank reserve the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

†Sainsbury's Bank Nectar Credit Cards Nectar points conditions:

2 Nectar points are collected on each full £1 of each separate shopping and fuel transaction at Sainsbury's. Excludes Sainsbury's Telecoms and Energy, which will be treated as non-Sainsbury's purchases. For non-Sainsbury's purchases 1 Nectar point is earned 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 points to be credited to your Nectar account. The Nectar loyalty programme is operated independently of Sainsbury's Bank by Aimia Coalition Loyalty UK Ltd, and the collection and use of points is governed by the Nectar Collector Rules, which are set out in the registration pack and are also available at nectar.com.

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.

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