Sainsbury's credit cards

Sainsbury’s range of Nectar cards often make it to the top of the joint 0% balance transfer/purchase and low rate best buy tables. The cards are also targeted at Sainsbury’s shoppers as they allow you to earn Nectar points at an accelerated rate which can then be redeemed in-store or at a range of Nectar partners.

Compare Sainsbury's credit cards - Sorted by APR

  1. Great for
    Collecting double Nectar points on your Sainsbury's shopping. Ts&Cs apply
    Collecting one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    There is no 0% period
    The APR you get is subject to status, so may vary

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 6.95% (variable) your representative APR will be 6.9% (variable).

  2. Exclusive

    You won’t get this offer on any other comparison site

    Great for
    Collect eight Nectar points per £1 spent on Sainsbury’s shopping and fuel in your first three months (T&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

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

  3. Alternative long 0% balance transfer deal with Nectar points collected on your spend

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

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

  4. Low balance transfer fee plus earn Nectar points on your spend

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    If accepted the APR and length of offer will be as stated
    Collect one Nectar point for every £5 spent on your card elsewhere
    But be aware that
    You cannot apply if you currently hold another Sainsbury’s Credit Card
    You won’t be able to transfer a balance that’s already on a Sainsbury’s Credit Card

    Representative Example:

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

Guide to Sainsbury's credit cards

Traditional banks and building societies are facing more competition than ever from the supermarket finance arms, as they learn to play them at their own game in offering eye-catching deals. And the competition is really hot in the credit card market which is great news for consumers.

Read more

Nectar Credit Card

The Nectar Credit Card offers 18 months at 0% on both purchases and balance transfers for a 3% fee. There is no annual fee attached to the card though, and the annual percentage rate (APR) is 18.9%. You can collect double Nectar points for each £1 spent on Sainsbury's shopping, and two points for each £1 spent on Sainsbury’s fuel. You'll also get one point for every £5 spent elsewhere.

Nectar Low Balance Transfer Fee credit card

If you don’t need a full 18 months at 0% on balance transfers and purchases, Sainsbury’s has a cheaper alternative. The Nectar Low Balance Transfer Fee credit card offers a shorter 12 months on both – and comes with a low fee of 0.5%. 

Again, you can earn double Nectar points for each £1 spent on your Sainsbury's shopping with the card, and two points for each £1 spent on Sainsbury’s fuel. You'll also get one point for every £5 spent elsewhere.

Nectar Low Rate Credit Card 

The Sainsbury's Nectar Low Rate Credit Card allows you to collect Nectar points in exactly the same way, but this time, charges one low rate of 6.95% on both balance transfers and all new purchases. There is no balance transfer fee or annual fee on this card. In all cases the rates you see are variable and representative.

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 to 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’ve 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
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.

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, independent and compare all UK credit cards as well as offering exclusive deals you can't get anywhere else.

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