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Compare Sainsbury’s Bank credit cards for September 2019

Compare the range of Sainsbury’s credit cards that offer very long 0% promotional periods on both balance transfers and purchases.

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

Table: sorted by representative APR, promoted deals first
Updated September 19th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 3 months reverting to 19.95%
0% for 28 months reverting to 19.95%
£0
19.9% p.a. (variable)
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 25 months reverting to 20.95%
0% for 25 months reverting to 20.95%
£0
20.9% p.a. (variable)
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% for 20 months reverting to 20.95%
£0
20.9% p.a. (variable)
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 22 months reverting to 20.95%
0% for 3 months reverting to 20.95%
£0
20.9% p.a. (variable)
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

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.

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

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

We exist to help you find better. The offers we've compared on this page are from a range of products whose details we can track; we don't cover every product on the market...yet. Unless we've indicated otherwise, products are shown in no particular order or ranking. The terms "best", "top", "cheap" (and variations of these) aren't product ratings, although we always explain what's great about a product when we highlight it; this is subject to our terms of use. When you make major financial decisions, it's wise to consider getting independent financial advice. Always consider your own financial circumstances when you compare products so you get what's right for you.

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