Credit Cards
Award winning cards to fit your needs
Sainsbury's Bank Credit Cards
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 can:
- Collect 3 Nectar points for every £2 you spend at Sainsbury’s, Argos, Habitat and Tu Clothing †
- Benefit from our Credit Card App and Online Banking to make managing your finances even easier
- You can pay with Google Pay™ and Apple Pay
Representative 29.4% APR variable.
We have a range of credit cards for purchases, balance transfers or a combination of both.
Plus, all colleagues who make a transaction within the first 3 months get an additional 4,000 Nectar points#. Don’t have a Nectar account? Apply for a nectar card now
Everyday Credit Card
-
An initial credit limit between £1,000 - £2,000
Enough to cover every day needs and the occasional big spend. -
The rate you see is the rate you get
You’re guaranteed to get 29.4% APR, if you’re accepted. -
Grow your card with credit limit increases and APR reductions
If you use your card on a regular basis and make payments on time, we’ll review your account for APR reductions and credit limit increases. -
Collect up to 3 points per £2 spent at Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & scan your Nectar card or App. And you'll get at least 1 point per £5 elsewhere †
Representative Example
| Purchase rate | With a representative | Assumed credit limit |
|---|---|---|
29.4% p.a. variable |
29.4% APR variable |
£1,200 |
| Purchase rate |
|---|
29.4% p.a. variable |
| With a representative |
29.4% APR variable |
| Assumed credit limit |
£1,200 |
Your credit limit will vary depending on your individual circumstances.
More information
APR Representative variable |
29.4% APR |
Balance transfers |
29.4% interest |
Balance transfer fee |
A Balance Transfer fee of 3% applies to transfers made at application (£3 minimum). Thereafter, the charge will depend on the offer available at the time. |
Purchases |
29.4% interest |
Money transfers |
29.9% interest |
Money transfer fee |
After opening your Sainsbury's Bank Credit Card, transfer money to your current account at your money transfer interest rate with a standard fee of 4% (minimum £4). |
Cash advances |
29.9% interest |
Cash advance fee |
4% (minimum £4) |
Nectar points |
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 or App. And you'll get at least 1 point per £5 elsewhere † |
Annual fee |
No fee |
Mobile wallet |
Google Pay and Apple Pay are available |
Accessing account |
20 Month Balance Transfer Credit Card
-
0% interest on balance transfers for 20 months
-
A Balance Transfer fee of 3.24% or 4.24% (£4 minimum) applies to transfers made within the first 90 days after application. We will confirm the fee if your application is accepted, and you should consider any fee when deciding if you wish to proceed. After the 90 days, the fee will depend on any offer available at the time.
-
0% interest on purchases for 3 months
-
Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & scan your Nectar card or App. And you’ll get at least 1 point per £5 elsewhere †
Representative Example
| Purchase rate | With a representative | Assumed credit limit |
|---|---|---|
26.95% p.a. variable |
26.9% APR variable |
£1,200 |
| Purchase rate |
|---|
26.95% p.a. variable |
| With a representative |
26.9% APR variable |
| Assumed credit limit |
£1,200 |
Your interest rate, promotional period and credit limit will vary depending on your individual circumstances.
More information
APR Representative variable |
26.9% APR |
Balance transfers |
0% interest on balance transfers for 20 months. |
Balance transfer fee |
A Balance Transfer fee of 3.24% or 4.24% (£4 minimum) applies to transfers made within the first 90 days after application. We will confirm the fee if your application is accepted, and you should consider any fee when deciding if you wish to proceed. After the 90 days, the fee will depend on any offer available at the time. |
Purchases |
0% interest for your first 3 months |
Money transfers |
29.95% interest |
Money transfer fee |
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. |
Nectar points |
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 or App. And you'll get at least 1 point per £5 elsewhere † |
Annual fee |
No fee |
Mobile wallet |
Google Pay and Apple Pay are available |
Accessing account |
Dual 12 Month Credit Card
-
0% interest on balance transfers for up to 12 months
-
A Balance Transfer fee of 3% 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 12 months
-
Collect up to 3 points per £2 in Sainsbury’s, Argos, Habitat & Tu clothing when you pay with a Sainsbury’s Bank Credit Card & scan your Nectar card or App. And you’ll get at least 1 point per £5 elsewhere †
Representative Example
| Purchase rate | With a representative | Assumed credit limit |
|---|---|---|
26.95% p.a. variable |
26.9% APR variable |
£1,200 |
| Purchase rate |
|---|
26.95% p.a. variable |
| With a representative |
26.9% APR variable |
| Assumed credit limit |
£1,200 |
Your interest rate, promotional period and credit limit will vary depending on your individual circumstances.
More information
APR Representative variable |
26.9% APR |
Balance transfers |
0% interest on balance transfers up to your first 12 months. We may offer you a 0% interest period of 8 months depending on your individual circumstances. |
Balance transfer fee |
A Balance Transfer fee of 3% 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. |
Purchases |
0% interest on purchases for up to 12 months. We may offer you a 0% interest period of 8 months depending on your individual circumstances. |
Money transfers |
29.95% interest |
Money transfer fee |
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. |
Nectar points |
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 get at least 1 point per £5 elsewhere † |
Annual fee |
No fee |
Mobile wallet |
Google Pay and Apple Pay are available |
Accessing account |
Terms and conditions
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.
If you wish to take out one of our other credit cards please call - 0800 313 4596.
Lines are open 8am – 7pm Mon – Fri and 8am – 6pm 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.
Apple, the Apple logo, Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries.
Google Pay™ is available. Find out more.
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.
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.
† 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.
# 4,000 Colleague Nectar Points are available to all J Sainsbury's colleagues, Sainsbury's Bank colleagues and J Sainsbury's veterans. Limited to one points allocation per colleague. To make the most of this offer, you will need to provide your Nectar account number when you apply online or over the phone. Colleague offers are only valid when you apply via YouChoose or mention you're a colleague over the phone. Colleagues may be asked for proof of their employment status at any time during the application process. Sainsburys Bank reserves the right to alter or stop this offer without notice.
1. This offer is only avalable to Sainsbury’s, Sainsbury's Bank, Argos, Habitat and Nectar colleagues, and Sainsbury’s Veterans. We may ask for proof of your employment status at any time during the application process.
2. In addition to our current customer offer, we’ll give you 4,000 points if you take out a new Sainsbury's Bank Credit Card and make a transaction within the first 3 months.
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 and either start your application at sainsburysbank.co.uk/youchoose or tell us that you’re a colleague if you apply over the phone
5. We'll only award points once per colleague.
6. No cash alternative is available.
7. This offer is governed by English law and we reserve the right to change or cancel it without notice.