Approval for any credit card depends on your status. The representative APRs shown represent the interest rate offered to most successful applicants. Depending on your personal circumstances, the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Save on interest charges by taking advantage of a long 0% promotional period on balance transfers, or a long 0% promotional period on purchases. You can also combine the balance transfer offer and the purchase offer in one card.
You don’t need to shop at Sainsbury’s to enjoy savings from Sainsbury’s Bank. Sainsbury’s Bank offers credit cards and other banking products to customers across the country.
With a Sainsbury’s credit card you’ll also be able to earn points that are in addition to those you’d earn by handing over or swiping your regular Nectar card. You can do this up to ten times in your first two months – that’s 7,500 extra Nectar points.
Sainsbury’s Bank concentrates on offering cards that award very long 0% promotional periods on both balances transferred from another credit card provider, and on new purchases made on a card. It’s a simplified range of cards that intends to save you money on credit card interest charges while earning you Nectar points on your credit card spend.
Your application will be quicker to process if you have all your details ready when applying. This includes your bank or building society account number, details of your existing credit cards and loans as well as your employment details.
In our 2023 customer satisfaction survey, Sainsbury’s Bank scored 5 out of 5 stars, with 83% of customers saying they’d recommend the brand to a friend.
Customers praised Sainsbury’s Bank’s overall service and nectar rewards. One commented: “Excellent customer service and easy to use app and website”.
With a straightforward range of credit cards, Sainsbury’s Bank offers an easy way to save a lot on your existing interest charges, or to avoid interest charges on future purchases for a long period of time. You can even enjoy savings on both balance transfers and purchases with the Dual Offer credit card. You could do worse than Sainsbury’s Bank if you shop at Sainsbury’s often and hold a Nectar card, as a credit card from Sainsbury’s Bank can increase your Nectar point total by a pretty significant amount. All in all, a credit card with Sainsbury’s Bank is a hassle-free way to make savings on everyday purchases.
| Representative APR | From 28.9% to 29.4% |
|---|---|
| 0% balance transfer offer | Up to 20 months |
| 0% purchases offer | Up to 3 months |
| 0% money transfer offer | No money transfer offer available |
| Cashback with brand | Up to 1.5% |
| Cashback elsewhere | Up to 0.2% |
| Cash advance | From 28.95% |
| Introductory bonus offer | No introductory bonus offers available |
Our customer satisfaction scores ("Customers say") are based on a survey of 2,749 customers carried out in December 2022.
To find out more, read our full methodology.
We explore how the Sainsbury’s Bank Everyday credit card lets you earn Nectar points as you spend.
Earn Nectar points on shopping with the longest balance transfer card available from Sainsbury’s Bank.
