Sainsbury's credit cards

Sainsbury's Bank credit cards. The Nectar Credit Card offers 15 months interest-free on purchases and six months 0% on balance transfers plus Nectar points each time you spend, while its Low Rate Credit Card charges an APR of 7.8% on both balance transfers and purchases.

Compare Sainsbury's credit cards - Sorted by APR

  1. Market leading

    Offers the lowest standard APR on purchases

    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. Market leading

    Joint market leading balance transfer & purchase card

    Great for
    Collect double Nectar points on your Sainsbury's shopping (Ts&Cs apply)
    Collect 2 Nectar points per £1 spent on Sainsbury’s fuel
    Collect one Nectar point for every £5 spent on your card elsewhere
    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 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 16.94% (variable) your representative APR will be 16.9% (variable).

  3. Great for
    3% balance transfer fee fully refunded in Nectar points (T&Cs apply)
    Collect Nectar points on your Sainsburys shopping and fuel
    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 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 16.94% (variable) your representative APR will be 16.9% (variable).

Guide to Sainsbury's credit cards

The Nectar Credit Card offers 15 months interest-free on balance transfers and 15 months 0% on purchases, plus you will earn Nectar points. Meanwhile, the Nectar Low Rate Credit Card charges an APR of 7.8% and also allows you to earn Nectar points.

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Guide to Sainsbury's credit cards

Traditional banks and building societies are facing more competition than ever from the supermarket finance arms, as they continue to launch increasingly eye-catching deals – including credit cards. So what’s Sainsbury’s Bank offering?

Nectar Credit Card

You can earn Nectar points on your shopping with the Sainsbury's Nectar Credit Card which allows you to 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.

On top of that, cardholders can take advantage of 0% interest on balance transfers (for a 3% fee) for 15 months and 0% on purchases for 15 months. After this you'll be charged a representative APR of 16.9% (variable). However, it's usually best not to transfer a balance and spend on the same card.

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 an APR of 7.8% on both balance transfers and purchases. However, it doesn’t charge a balance transfer fee.

Nectar Credit Card – Exclusive Offer

You can earn Nectar points on your shopping with the Sainsbury's Nectar Credit Card which allows you to collect double Nectar points for each £1 spent on Sainsbury's shopping, and two points for each £1 spent on Sainsbury’s fuel (plus 1 point per litre when you also swipe your Nectar card). You'll also get one point for every £5 spent elsewhere.

On top of that, cardholders can take advantage of 0% interest on balance transfers (for a 3% fee) for 12 months and 0% on purchases for 12 months. The 3% balance transfer fee is fully refunded in Nectar points (T&Cs apply). After this you'll be charged a representative APR of 16.9% (variable).

You will not need a Nectar card to apply for all of these credit cards – but it could be worth getting one anyway. You can pick up an application form in any Sainsbury’s store or online at nectar.com – totally free of charge. And, as well as earning points each time you shop in Sainsbury’s you can also collect points from the supermarket’s partners including Homebase, amazon.co.uk and EDF Energy.

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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