Credit Cards details

Your chosen card

To apply for this card

Go to the Sainsbury's Bank website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

The basics

  • Representative APR 18.9%(variable)
  • Payment Network MasterCard
  • Balance transfer fee 3% or £3, whichever is greater

Card features

Great for
2 Nectar points per £1 spend on Sainsbury’s shopping or fuel. 1 Nectar point per £5 spent elsewhere
5,000 bonus Nectar points when you use your new Credit Card to pay for your Sainsbury's shopping or fuel at least four times in the first month from account opening. Ends 21st May 2017
If your application is approved you are guaranteed to get the 0% interest period advertised
But be aware that
The APR you get is subject to status, so may vary
You cannot apply if you currently hold another Sainsbury’s Credit Card

Is this card right for you?

To take this card you

  • Must be aged 18 years or over
  • Must have a permanent UK address
  • Must not have been declined for credit in the last month
  • Must not have a history of bad credit
  • Must not be an existing Sainsbury's Bank Credit Card holder

Introductory interest rates

Rate Duration
Purchases 0% 29 months
Cash advances - -
Balance transfers 0% 18 months
Cheque advances - -
Money transfers - -

Long term interest rates

Monthly Annual
Purchases 1.456% 18.95%
Cash advances 1.941% 25.95%
Balance transfers 1.456% 18.95%
Cheque advances - -
Money transfers - -
Price for risk Yes

Fees

Annual fee -
Late payment £12
Over credit limit £12
Foreign exchange EU 2.75%
Foreign exchange non-EU 2.75%
Return payment £12
Copies of statements £5
Handling fee Min fee Max fee
Cash advances 3% £3 -
Cheque advances - - -
Balance transfers 3% £3 -
Money transfers - - -

Repayment details

  • Interest free period - 56 days
  • Your monthly minimum payment will be the greater of:
    • 2.25% of the outstanding balance on your statement (minimum £5)
    • OR
    • The full balance if less than £5
    • OR
    • 1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
  • If you make only the minimum payment each month, it will take longer and cost you more to clear your balance
  • The above minimum repayment details may vary between providers, so please review T&Cs for specific details.
  • Allocation of payments:
    If you do not pay your balance in full Sainsbury's Bank will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Refer to provider for full details.

Credit limit

Minimum credit limit -
Maximum credit limit -

Other features

Free purchase protection No
Internet fraud guarantee Yes
Rewards Nectar

How your promotional rates will change

  • After 18 months, the rate on Balance Transfers will go from 0% to 18.95%.
  • After 29 months, the rate on Purchases will go from 0% to 18.95%.

Fees to be aware of

  • For a balance transfer, you'll be charged 3% of the balance you're transferring. There is a minimum charge of £3.

About Sainsbury's Bank

Sainsbury’s Bank offers a range of financial products including credit cards, personal loans, savings accounts, car insurance, home insurance and travel insurance.

To apply for this card

Go to the Sainsbury's Bank website

Go to site

Representative Example:

If you spend £1,200 at a purchase interest rate of 18.95% p.a. (variable) your representative rate will be 18.9% APR (variable).

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
4/10
5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

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