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
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    Collect one Nectar point for every £5 spent on your card elsewhere
    No cash advance fee on Sainsbury's Travel Money purchases
    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
    You cannot transfer a balance from another Sainsbury's Credit Card

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 9.93% p.a. (variable) your representative rate will be 9.9% APR (variable).

  2. Great for
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    Collect one Nectar point for every £5 spent on your card elsewhere
    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
    You cannot transfer a balance from another Sainsbury's Credit Card

    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).

  3. Great for
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    Collecting one Nectar point for every £5 spent on your card elsewhere
    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
    You cannot transfer a balance from another Sainsbury's Credit Card

    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).

  4. Great for
    1.5% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3)
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    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
    You cannot transfer a balance from another Sainsbury's Credit Card

    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).

  5. Great for
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    Collect one Nectar point for every £5 spent on your card elsewhere
    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
    Reduced 2.89% balance transfer fee applies on transfers made within your first 3 months, 3% afterwards (minimum £3)

    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).

  6. Great for
    Get four Nectar points per £1 when you take out and use this Credit Card to pay for Sainsbury's shopping or fuel in the first three months. Two points per £1 thereafter. Apply by 24th May 2016
    Collect one Nectar point for every £5 spent on your card elsewhere
    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
    You cannot transfer a balance from another Sainsbury's Credit Card

    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).

Guide to Sainsbury's credit cards

Sainsbury’s Bank offers a range of credit cards including balance transfer cards, cards for purchases and low rate cards for balance transfers and purchases.

All the cards offer rewards in the form of Nectar points when you spend on them. Nectar is Sainsbury’s loyalty scheme which is free to join. Points can either be put towards discounts on your shopping, or other rewards such as restaurant meals or theme park days out. 

Read more

Sainsbury’s credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA).

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. 

This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

 

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 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.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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