Sainsbury's credit cards

How to choose the right Sainsbury’s credit card

In 1997, Sainsbury's became the first major supermarket to open a bank in the UK. As you’d expect from a bank that’s wholly owned by a supermarket, Sainsbury’s Bank is at its best when you are a regular customer for its other products – and that rule definitely applies to its credit cards.

Sainsbury’s Bank offers a simple choice of cards, all of which are good for people who want to make interest-free purchases and earn rewards – especially bonus Nectar points. The cards with the best offers are only available to existing Sainsbury’s customers who have had a Nectar account open for at least six months, but other varieties are available to anyone.

How do Sainsbury’s credit cards compare?

Sainsbury’s credit cards focus on buying power, though they do also offer a few balance transfer options with long interest-free periods. Every card also gives you the chance to earn thousands of Nectar points during first two months. Here’s what’s on offer:

  • 0% balance transfer cards: Sainsbury’s has three options for balance transfers, with interest-free periods which can last anywhere from 12 months to 28. There are no-fee options, but fees can reach up to 3% for the longer 0% interest options. Representative APR is 20.9%, and the cards also offer you 0% interest on anything you buy for the first three months. There’s no annual fee
  • 0% purchase credit cards: There are two main purchase cards on offer here, and they’re good. You can get between 12 and 20 months of interest-free purchases, which then default to a 20.9% representative APR. The main difference between the two cards is that one offers interest-free balance transfers for three months, and the other will allow you up to 20 months – both for a 3% fee
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Your personalised chance of approval

Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.
We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.
You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.
This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.
This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.
It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

See the full approval scale

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 the first time. Your scores help you understand which cards you have the strongest chance of getting. 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.

Chance of approval scale

10/10 = Pre-approved

Chance of approval 10/10 GUARANTEED
10/10 GUARANTEED

10/10 = Pre-approved

Being pre-approved means you’re an ideal customer for this lender and you’re guaranteed to get this card, provided you use the same details as you gave us, and you pass the lender’s ID checks.

9.5/10 - 7/10 = Good chance

Chance of approval 9.5/10
9.5/10
Chance of approval 9/10
9/10
Chance of approval 8/10
8/10
Chance of approval 7/10
7/10

9.5/10 - 7/10 = Good chance

This means there’s a good chance you’ll be accepted for this card. For every 100 applications from people in a similar financial situation to you, between 70 and 95 of them will get the card.

6/10 - 4/10 = Fair chance

Chance of approval 6/10
6/10
Chance of approval 5/10
5/10
Chance of approval 4/10
4/10

6/10 - 4/10 = Fair chance

This score means it’s around fifty-fifty whether you’ll be accepted for the card or not. It’s worth a go if this is your highest score, and you need the credit for a specific purpose.

3/10 - 1/10 = Low chance

Chance of approval 3/10
3/10
Chance of approval 2/10
2/10
Chance of approval 1/10
1/10

3/10 - 1/10 = Low chance

It’s unlikely you’ll get this card. For every 100 people in a similar financial situation to you who apply, only between 10 and 30 get accepted for the card. There’s still a chance, but rejection’s more likely than acceptance.

Not eligible = Consider a different card

Chance of approval Not eligible
Not eligible

Not eligible = Consider a different card

You won’t get this card. This is usually because you don’t meet the lender’s acceptance criteria – for example, your income may not be high enough, you have credit problems, or you already have one of this lender’s cards.

Not rated = We don’t have enough infoinformation

Chance of approval Not rated
Not rated

Not rated = We don’t have enough infoinformation

We can’t give you a rating for this card either because we can’t match your details to your credit report, or we don’t have enough information about the lender’s acceptance criteria for this card.

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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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What's this?
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Chance of approval 10/10 GUARANTEED
Chance of approval {{sliderProduct.productScoring.productLikelihood}}/10
Chance of approval Not rated
Chance of approval Not eligible
Chance of approval Eligibility checker Check your eligibility
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What's this?
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Representative Example: If you spend at {{sliderProduct.productAttributes.interestRates.representativeExample.interestDescription}} rate of {{sliderProduct.productAttributes.interestRates.representativeExample.interestRate}}% ({{sliderProduct.productAttributes.interestRates.representativeExample.fixed === false? 'variable': 'fixed'}}) p.a. with a {{sliderProduct.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{sliderProduct.productAttributes.interestRates.representativeExample.apr}}% APR ({{sliderProduct.productAttributes.interestRates.representativeExample.isAPRFixed === false? 'variable': 'fixed'}})

Main features

Rate type
Rate
Duration
Balance transfers
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Money transfers
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Thereafter
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Fees

Fee type
Fee
Min fee
Balance transfers
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Cash advances
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Money transfers
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Fixed fees
Fee amount
Annual fee
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Monthly fee
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What's good about this card

What to be aware of

Repayment details

  • Interest free period – up to {{sliderProduct.productAttributes.repaymentDetails.interestFreePeriod}} days
  • Your monthly minimum payment will be the greater of:
    • {{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayRate}}% of the outstanding balance on your statement (minimum £{{sliderProduct.productAttributes.repaymentDetails.minimumMonthlyRepayAmount}})
    • The full balance if less than £{{sliderProduct.productAttributes.repaymentDetails.minimumBalanceToAvoidPayingFullBalance}}
    • {{sliderProduct.productAttributes.repaymentDetails.percentageOfBalanceToPayAfterMissedPayment}}% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
Nectar Members only

You must be a Nectar member and should have been one for at least 6 months. Balance transfer fee 1.85%, refunded from initial 1.99% fee (minimum fee £3). Applies to transfers made at application.

Nectar Members only

You must be a Nectar member and should have been one for at least 6 months. Balance transfer fee 1.85%, refunded from initial 1.99% fee (minimum fee £3). Applies to transfers made at application.

Sainsbury's Bank

Sainsbury's Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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Purchases

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Rewards

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Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Sainsbury's Bank

Sainsbury's Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

  • {{::item}}

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Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Sainsbury's Bank

Sainsbury's Bank

Balance transfer

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Purchases

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Rewards

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Rewards

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Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Nectar Members only

You must be a Nectar member and should have been one for at least 6 months

Sainsbury's Bank

Sainsbury's Bank

Balance transfer

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{{::product.productAttributes.fees.balanceTransfer.handlingFee}}% fee

Purchases

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Rewards

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Purchases

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Rewards

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Representative example: If you spend {{::product.productAttributes.interestRates.representativeExample.amount | handleCurrencyFilter}} at {{::product.productAttributes.interestRates.representativeExample.interestDescription}} rate {{::product.productAttributes.interestRates.representativeExample.interestRate}}% ({{::product.productAttributes.interestRates.representativeExample.fixed === false ? 'variable' : 'fixed'}}) p.a. with a {{::product.productAttributes.interestRates.representativeExample.feeAmount | handleCurrencyFilter}} {{::product.productAttributes.interestRates.representativeExample.feeDescription}} fee your representative APR is {{::product.productAttributes.interestRates.representativeExample.apr}}% APR ({{::product.productAttributes.interestRates.representativeExample.isAPRFixed === false ? 'variable' : 'fixed'}})

EXPLORE MORE CREDIT CARDS

Sainsbury’s credit card features

Sainsbury’s credit cards really come into their own when you use them at their supermarkets, but they have a lot of features that make them useful in any situation:

  • 0% interest: Sainsbury’s cards have generous interest-free periods both for balance transfers and purchases – deals that are amongst the best in the market
  • Nectar points: You need a Nectar account to access the best credit card deals, but it’s worth it. There are some exceptional opportunities to earn extra points in the first two months: the first 10 times you spend £35 or more in store you’ll earn 750 bonus points, up to a total of 7,500. You can also earn points by shopping at partner stores
  • No card fees: Sainsbury’s does not charge monthly fees on any of its credit cards
  • Additional cardholders: You can add friends and family to a share credit card account to earn extra Nectar points. The credit limit is shared between cardholders
  • Online and mobile banking: Sainsbury’s offers a range of online and mobile banking options, including requesting increased credit limits and online balance transfers
  • Regulation: Sainsbury’s is regulated by the Financial Conduct Authority, and its credit cards are protected by the Consumer Credit Act, meaning you’ll get a full refund if anything goes wrong on purchases worth between £100 and £30,000

Am I eligible for a Sainsbury’s credit card?

You must be a UK resident aged 18 or over to apply for a Sainsbury’s credit card. Whether you are approved will depend on a range of factors – most of which come together to make up your credit score. You’ll get a better deal – including longer interest-free periods and a lower APR – if you have a history of responsible borrowing than you will if you’ve missed loan repayments or even defaulted in the past.

The best way to take control of your credit score is with MoneySuperMarket’s free Credit Monitor tool. You can use it to find out what your credit score is, and to work out simple ways to improve it. Once you have a better handle on your score, you should find it easier to get better deals on credit cards.

How long does it take to get a Sainsbury’s credit card?

It only takes a few minutes to provide us with the information we need to access your credit score, and for us to find the correct deals – and doing so won’t affect your credit score. After that we’ll direct you to the provider, who will test your eligibility and ask you to make a full application – which shouldn’t take long.

Approval is usually automatic and quite quick, and your credit card and PIN should arrive in the post within seven working days.

Sometimes an application is flagged for a manual evaluation, which can take a few days extra.

How do I apply for a Sainsbury’s credit card?

MoneySuperMarket’s comparison tool is a great way to apply for a Sainsbury’s credit card. It’s simple: you give us a few details about yourself and your circumstances, and we scour our providers for the best deals available to you, including APR and credit limit. You then pick the one you like best.

We are free and independent, and offer exclusive deals you can't get anywhere else. Click here to get started with our comparison tool.

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.