The American Express Nectar Credit Card review April 2019

The American Express Nectar Credit Card
The American Express Nectar Credit Card
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If you want credit card with a flexible and easy rewards system, a Nectar credit card could be a useful one to have in your wallet.

With a Nectar credit card, you can earn points while you spend (in addition to those that you’d usually earn when you swipe your regular Nectar card at selected stores), safe in the knowledge that you’ll have no trouble redeeming your points at a range of high street and online stores.

The American Express Nectar Credit Card has an appealing bonus points introductory offer and a reward rate which doubles with the many Nectar reward partner shops.

With a fairly typical APR, you’ll need to keep an eye on your spending, but you can enjoy the first year without an annual fee.

IssuerAmerican Express
NetworkAmex
Annual/monthly feesYear 1 - £0, Year 2 onwards - £25 per annum
Loyalty schemeNectar Points
Incentive20,000 Nectar points when you spend £2K within 3 months of account opening. Earn up to 4 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Additional Rewards InfoRefund Protection - provides refunds to cardmembers in the event of any retailer, online or offline, refusing to refund the value of any goods taken back within 90 days of them being purchased, maximum £200. Global Assist - 24/7 help available when travelling outside the UK. Access to tickets for must-see music, theatre and film events, often before they go on sale to the general public with American Express Invites. Eligible for American Express Connect where cardmembers can choose offers from selected retailers to obtain discounts or cashback.
Purchases22.9%
Purchases interest-free period (days)56
Annual/monthly feesYear 1 - £0, Year 2 onwards - £25 per annum
Foreign usage charge (EU)2.99%
Foreign usage charge (rest of world)2.99%
Cash advance fee3% (min. £3)
Late payment fee£12
Exceeding limit fee£12
Additional card fee£0
Replacement card fee£0
Dormancy fee£0
Minimum Age18
ResidencyCurrent UK bank or building society account required.
AvailabilityAvailable to new customers
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
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How does this card compare with other Nectar cards on the market?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 21st, 2019
Name Product Purchases Annual/monthly fees Credit limits Rep. APR Incentive Representative example
22.9%
Year 1 - £0, Year 2 onwards - £25 per annum
Min. limit £700, max. limit not specified.
28.2%
20,000 Nectar points when you spend £2K within 3 months of account opening. Earn up to 4 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £25 per annum, your representative rate is 28.2% APR (variable).
0% for 28 months reverting to 20.95%
£0
Min. limit not specified, max. limit not specified.
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 3 months reverting to 19.95%
£0
Min. limit not specified, max. limit not specified.
19.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 27 months reverting to 20.95%
£0
Min. limit not specified, max. limit not specified.
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 3 months reverting to 20.95%
£0
Min. limit not specified, max. limit not specified.
20.9%
Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).

Compare up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 917 8015), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the The American Express Nectar Credit Card

If you want to apply for the The American Express Nectar Credit Card, just click on the “Go to website” button, below, and you’ll be taken to a secure application form. This takes about 15 minutes to complete. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

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*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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