From 25 January 2021, Avios air miles can be converted to Sainsbury’s Nectar points, thanks to a partnership between British Airways and Sainsbury’s. This means you can now use your Avios air miles towards purchases at Sainsbury’s, Argos, eBay and many other stores. Under the partnership, Sainsbury’s shoppers can also swap Nectar points for Avios air miles, with 400 Nectar points exchangeable for 250 Avios, which gives them a value of around 0.8p per Avios.
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Approval for any credit card will depend on your status. The APR shown represents 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.
If you currently have another credit card with a balance that is attracting interest, think about applying for a Sainsbury’s Bank Balance Transfer credit card. The best offer is reserved for Nectar card holders, but you can apply for a Nectar card free of charge. The longest balance transfer offer incurs a modest balance transfer fee, while you could choose to shorten the balance transfer period in exchange for no balance transfer fee.
Learn more about 0% balance transfer cards
Whether you have a big expense coming up or just want to save on interest charges, consider the Sainsbury’s Purchases credit card. This card offers a 0% promotional period that extends for several years so you do not have to worry about interest charges for a considerable period of time. However, do not spend more on the card than you can afford to pay back before the promotional period expires.
Learn more about 0% purchase cards
Give up a few months of the promotional period and you can get a Sainsbury’s credit card that offers a very long balance transfer period, as well as a long period of 0% interest on purchases. The Sainsbury’s Bank Dual Offer credit card is a good choice if you need to save money on a balance transferred from another credit card, and on new purchases.
Sainsbury’s Bank is so easy to deal with and I enjoy earning Nectar points on my spending.”
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.
Customers in Finder’s 2021 customer satisfaction survey were generally positive towards Sainsbury’s, with many praising its “good customer service” and “good rates”.
One customer said: “It’s a reliable company that I’ve never had any problems with, and it’s good value too in terms of giving me lots of Nectar points for my spending.”
Sainsbury’s also scored 4 out of 5 in our 2021 customer satisfaction awards, with 78% of customers willing to recommend the brand to a friend.
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.
With a generous rewards points scheme and 0% balance transfer period, the Sainsbury’s Bank Nectar credit card is a well-rounded and low-cost reward card.
This Sainsbury’s card offers a decent window in which you won’t pay interest on existing card debt, plus a reduced balance transfer fee.
Earn Nectar points on shopping with the longest balance transfer card available from Sainsbury’s Bank.
Earn Nectar points on shopping while avoiding interest on purchases and balance transfers with this Sainsbury’s credit card.
Earn Nectar points while you spend and pay no interest or fees on balance transfers with this Sainsbury’s Bank card.
Earn Nectar points and take a break from interest on purchases with a Sainsbury’s credit card.
The supermarket’s new dual offer card means customers don’t have to pay interest on purchases for up to 29 months.
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