Personal Pricing

We treat all our customers and their applications for a Sainsbury’s 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.

Sainsbury's Purchase Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

Sainsbury's Low Rate Credit Card

Your personal APR will be either 5.9% APR (variable), 12.9% APR (variable), or 15.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 5.9% APR (variable).

Representative Example
Purchase rate is 5.94% p.a. variable, with a representative 5.9% APR variable, assumed credit limit: £1,200.

Sainsbury's 40 Month Balance Transfer Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

Sainsbury's No Balance Transfer Fee Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

Sainsbury's 35 Month Balance Transfer Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

Sainsbury's 33 Month Balance Transfer Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

Sainsbury's Dual Offer Credit Card

Your personal APR will be either 18.9% APR (variable), 21.9% APR (variable), or 28.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 18.9% APR (variable).

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

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