Compare Sainsbury’s Bank credit cards

Compare the range of Sainsbury's credit cards that offer very long 0% promotional periods on both balance transfers and purchases. Rates starting from to .

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Sainsbury’s Bank is no longer accepting new credit card applications from new or existing customers. Sainsbury’s Bank has stated that it intends to transfer personal loans, credit cards, and savings accounts to NatWest. Compare alternatives here.

What were the benefits of a Sainsbury’s credit card?

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 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.

Types of Sainsbury’s Bank credit cards

Sainsbury’s Bank concentrated on offering cards that awarded very long 0% promotional periods on both balances transferred from another credit card provider, and on new purchases made on a card. It was a simplified range of cards that intended 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?

Currently this isn’t possible. Sainsbury’s is phasing out its banking arm.

Sainsbury’s credit card customer reviews

In our 2025 customer satisfaction survey, 77% of Sainsbury’s Bank credit card customers said they’d recommend the provider to a friend. Many customers highlighted their strong satisfaction with the brand’s user-friendly interface, as well as the benefits of being able to link their Nectar card, since this rewards customers with points on their credit card for linked spending.

Sainsbury’s Bank also has a high score of 4.1 out of 5 on Trustpilot, although this score was for Sainsbury’s Bank as a whole, rather than just its credit cards (updated February 2024).

The bottom line

With a straightforward range of credit cards, Sainsbury’s Bank offered 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 could 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 shopped at Sainsbury’s often and held a Nectar card, as a credit card from Sainsbury’s Bank could increase your Nectar point total by a pretty significant amount. All in all, a credit card with Sainsbury’s Bank was a hassle-free way to make savings on everyday purchases.

Overview of Sainsbury's Bank credit cards

Representative APR
0% balance transfer offer No balance transfer offer available
0% purchases offer No purchases offer available
0% money transfer offer No money transfer offer available

Frequently asked questions about Sainsbury’s Bank credit cards

Our “Best for” picks highlight top options in specific categories based on our independent evaluation (see our full methodology), while “Promoted” tags indicate sponsored placements. Selected products may not suit everyone. We track selected market offers, which may not cover every product. Products are listed in no particular order unless specified, and inclusion or ordering may be influenced by popularity or commercial agreements. Most comparison table data is provided by Defaqto or sourced directly from providers. Always evaluate your own circumstances and consider independent advice before making major financial decisions.
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Chris Lilly is Head of publishing at finder.com. He's a specialist in personal finance, from day-to-day banking to investing to borrowing, and is passionate about helping UK consumers make informed decisions about their money. In his spare time Chris likes forcing his kids to exercise more. See full bio

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Chris has written 502 Finder guides across topics including:
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