Compare Sainsbury’s Bank credit cards for January 2020

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.

Compare Sainsbury’s credit cards

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Sainsbury's Bank Balance Transfer Credit Card Mastercard		0% for 3 months reverting to 19.95%	0% for 29 months reverting to 19.95%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Sainsbury's Bank Low Balance Transfer Fee Credit Card Mastercard		0% for 3 months reverting to 20.95%	0% for 26 months reverting to 20.95%	£0	20.9% (variable)	More Info	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	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard		0% for 27 months reverting to 20.95%	0% for 27 months reverting to 20.95%	£0	20.9% (variable)	More Info	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	loading Fetching your data...
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard		0% for 3 months reverting to 20.95%	0% for 16 months reverting to 20.95%	£0	20.9% (variable)	More Info	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	loading Fetching your data...
Sainsbury's Bank Purchase Credit Card Mastercard		0% for 20 months reverting to 20.95%	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	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	loading Fetching your data...

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Types of Sainsbury’s Bank credit cards

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.

• 0% balance transfer cards

  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

• 0% purchases 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

• All-round 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.

What benefits can I get with a Sainsbury’s Bank credit card?

• Collect Nectar points when you spend on your card.
  Nectar is the supermarket loyalty scheme from Sainsbury’s and you can redeem your Nectar points for a wide variety of goods and services. With a Sainsbury’s Bank credit card you will earn Nectar points on your everyday credit card transactions, which effectively offers you something back just for using your card for payments.
• Nominate additional cardholders.
  You can add friends and family to your credit card account, giving each person the ability to share your credit limit and to earn Nectar points while they spend. The total credit limit is shared amongst the cardholders on the account. Adding an additional cardholder is easy, simply complete the necessary details on your online banking facility.
• Credit card balance transfers.
  It is easy to transfer a balance from a credit card held with another bank to your Sainsbury’s Bank credit card. If you make a balance transfer within three months of account opening you can take advantage of a 0% interest promotion period that will save you a significant sum in interest charges.
• Online banking for credit card holders.
  Sainsbury’s Bank offers online banking for all of its credit card holders. You can check your statement and balance and review all recent transactions with online banking. The facility also allows you to request a credit limit increase or to transfer a balance from another credit card.

How can I apply for a Sainsbury’s Bank credit card?

1. First, identify which of Sainsbury’s Bank’s credit cards are most useful in your current situation. Pick the balance transfer offer if you have an existing balance with another credit card company that you’d like to save interest on, or the purchases offer if you want to reduce interest charges on future purchases.
2. Check that you meet the eligibility criteria for a Sainsbury’s Bank credit card.
3. Click on Apply now on the page of the credit card offer you are interested in, or call Sainsbury’s Bank.
4. Complete your personal details accurately as this will speed up the application process. Entering accurate details also reduces the chance your application will get rejected.
5. Sainsbury’s Bank will consider your application. If your application is approved you can expect to receive your credit card and PIN number in the mail within a few working days.

What supporting documents and information will I need?

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.

Conclusion

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.

Frequently asked questions about Sainsbury’s Bank credit cards

• Is there a limit to the Nectar points I can earn?

  You can expect to collect Nectar points on all of your credit card spend, but Sainsbury’s Bank may impose limits on accelerated points offers or any bonus offers you had when you just opened your account.

• Can I apply for a Sainsbury’s Bank credit card if I’ve recently been rejected for credit?

  One of the eligibility requirements to successfully apply for a Sainsbury’s Bank credit card is that you have not been rejected for credit within the last month. You may also struggle to apply successfully if you have been repeatedly rejected for credit in the recent past, even if you’ve had no rejections in the last month.

• Which bank issues Sainsbury’s credit cards?

  Sainsbury’s Bank has a banking license in its own right. It is wholly owned by supermarket group J Sainsbury plc and operates as an independent bank. Your credit card will be issued by Sainsbury’s Bank on the Visa or MasterCard networks.

• Do I have to be a Nectar member to apply for a Sainsbury’s Bank credit card?

  Some Sainsbury’s Bank credit cards require that you are a Nectar member to be able to apply, but most do not. However, you will need a Nectar account if you want to use the Nectar points you earn with your Sainsbury’s Bank credit card. You can get a Nectar card at no cost.

• What should I do if my Sainsbury’s Bank credit card is stolen, or lost?

  Contact Sainsbury’s Bank immediately if you suspect your credit card has been stolen. It is also crucial that you contact the bank as soon as possible if you think your card is lost so that the bank can put a hold on any future transactions. Doing so will prevent unauthorised use of your credit card.

• I have a Sainsbury's Mastercard credit card, how can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.