Credit Cards

Get rewarded with extra Nectar points on your instore and fuel spend†

expanded Sainsbury's Bank Nectar Credit Cards

Sainsbury's Bank 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. Whichever one you choose, you’ll be able to collect Nectar points when you pay with the card †. And as a new customer, you’ll get 5,000 bonus Nectar points on your Sainsbury’s shopping and fuel when you use our credit card to spend £250 on Sainsbury’s shopping and fuel in your first month. Offer ends 26th March 2017^ .

Sainsbury's Bank
Balance Transfer Credit Cards
Up to 42 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 29 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
 

Our lowest rate on purchases and on balance transfers.

Representative example

Purchase rate is 5.94% p.a. variable, with a representative 5.9% 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 plc, Pitreavie Business Park, Dunfermline, Fife, KY99 4BS.

†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 Sainsbury’s Telecoms, Energy, Argos, and Habitat 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com

^Purchase Bonus Nectar points conditions:

Nectar Cardholders Exclusive:Offer is available to new Sainsbury's Bank credit card customers who apply for and take out a Sainsbury's Bank Credit Card between 29th December 2016 and 26th March 2017. Spend £250 or more on Sainsbury's shopping or fuel with your Sainsbury's Bank credit card during the first 40 days 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 and we will allow 7 days for receipt of card. Excludes Sainsbury's Telecoms, Energy, Travel Money, Argos and Habitat which will be treated as non-Sainsbury's purchases. 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com. Sainsbury's Bank reserves the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

Balance Transfer Credit Cards

Balance Transfer Credit Cards


42 Month Balance Transfer
  • 0% interest on balance transfers for 42 months
  • 0% interest on
    purchases for 3 months

40 Month Balance Transfer
  • 0% interest on balance transfers for 40 months
  • 0% interest on
    purchases for 3 months

33 Month Balance Transfer
  • 0% interest on balance transfers for 33 months
  • 0% interest on purchases for 3 months
No Balance Transfer Fee
  • 0% interest on balance transfers for 25 months
  • No balance transfer fee for 3 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
42 months
0% interest for your first
40 months
0% interest for your first
33 months
0% interest for your first
25 months
Purchases 0% interest for your first
3 months
0% interest for your first
3 months
0% interest for your first
3 months
N/A
Balance transfer fee Balance transfer fee of 2.35% applies on transfers made within your first 3 months, 3% afterwards (minimum £3 at all times) * Nectar cardholders exclusive: balance transfer fee of 1.78% applies 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 (minimum £3 at all times). ^
Nectar cardholders exclusive: balance transfer fee of 0.62% applies 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 0.69% for your first 3 months, 3% afterwards (minimum £3 at all times).^^
No balance transfer fee applies on transfers made within the first 3 months, 3% afterwards (minimum £3)
Nectar points Collect 3,000 bonus Nectar points when you apply by 31st January 2017 and transfer £1,000 or more in your first month **

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

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.

†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 Sainsbury’s Telecoms, Energy, Argos, and Habitat 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com

*42 Month Balance Transfer Fee Refund conditions:

Available to new customers who apply and take out a Sainsbury’s Bank 42 month Balance Transfer 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 2.35% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 4% and a partial refund of 1.65% of the transferred balance is refunded directly to your account. This refund will be processed within 60 days of the balance transfer being made. A minimum fee of £3 will be charged at all times. The refund will appear on your statement. Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time.

**Balance Transfer Bonus Points conditions:

Balance Transfer Bonus Nectar points offer conditions: Nectar Cardholders Exclusive: Offer is available to new Sainsbury's Bank credit card customers who apply for and take out a Sainsbury's Bank 42 month Balance Transfer Credit Card between 29th December 2016 and 31st January 2017. To qualify for the 3,000 bonus points you must transfer an eligible balance of at least £1,000 within the first 40 days of account opening. A balance transfer fee will apply on all balances transferred: see Balance Transfer terms and conditions for details of this fee. Account will be opened within 2 working days of us receiving your signed agreement and we will allow 7 days for receipt of card. 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com. Sainsbury's Bank reserves the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

^40 Month Balance Transfer Fee Refund conditions:

Available to new customers with a Nectar card who apply and take out a Sainsbury’s Bank 40 Month 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 1.78% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 2.89% and a partial refund of 1.11% 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. You must 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 2.89% in your first 3 months. After 3 months from account opening, the fee will be 3% for Nectar and non Nectar customers (min. £3 fee at all times). Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time.

^^33 Month Balance Transfer Fee Credit Card:

Available to new customers with a Nectar card who apply and take out a Sainsbury’s Bank 33 Month Balance Transfer 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 0.62% of the balance transfer amount. This is achieved by charging an initial balance transfer fee of 1.5% and a partial refund of 0.88% 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. You must 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 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. After 3 months from account opening the fee will be 3% for Nectar and non Nectar customers (min. £3 fee at all times). Sainsbury’s Bank reserves the right to terminate this balance transfer offer at any time.

Purchase Credit Cards

Purchase Credit Cards


Purchase Credit Card
  • 0% interest on purchases for 29 months
  • 0% interest on balance transfers for 18 months
Dual Offer Credit Card
  • 0% interest on balance transfers for 27 months
  • 0% interest on purchases for 27 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
29 months
0% interest for your first
27 months
Balance transfers
0% interest for your first
18 months
0% interest for your first
27 months
Balance transfer fee 3% balance transfer fee applies (minimum £3 at all times) 3% balance transfer fee applies (minimum £3 at all times)
Nectar points Collect 5,000 points when you apply by 26 March 2017 and spend £250 on Sainsbury's shopping or fuel in the first month. *

Collect 2 points per £1 spent on Sainsbury's shopping and fuel, and 1 point for every £5 spent on your card elsewhere†
Collect 5,000 points when you apply by 26 March 2017 and spend £250 on Sainsbury's shopping or fuel in the first month. *

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. 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.

†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 Sainsbury’s Telecoms, Energy, Argos, and Habitat 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com

*Purchase Bonus Nectar points conditions:

Nectar Cardholders Exclusive: Offer is available to new Sainsbury's Bank credit card customers who apply for and take out a Sainsbury's Bank Credit Card between 29th December 2016 and 26th March 2017. Spend £250 or more on Sainsbury's shopping or fuel with your Sainsbury's Bank credit card during the first 40 days 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 and we will allow 7 days for receipt of card. Excludes Sainsbury's Telecoms, Energy, Travel Money, Argos and Habitat which will be treated as non-Sainsbury's purchases. 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. The Nectar loyalty programme is run by Aimia Coalition Loyalty UK Ltd. The Nectar Collector Rules detail how to collect and use points. You can find these in the Nectar registration pack and at nectar.com. Sainsbury's Bank reserves the right to alter, stop or withdraw this Nectar point offer at any time without notice. No cash alternative is available.

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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