Sainsbury's Bank Dual Offer Credit Card Mastercard Review September 2019

There's no interest to pay on purchases or balance transfers for a lengthy period with this Sainsbury's rewards card.

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).

25 months

0% interest on balance transfers

25 months

0% interest on purchases

20.9%

Representative APR

£0

Account fee

Details

IssuerSainsbury's Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 25 months reverting to 20.95%
Balance transfer fee3% (min. £3)
Purchases0% for 25 months reverting to 20.95%
Purchases interest-free periodUp to 56 days
Money transfers25.95%
Cash advances25.95%
Min. credit limit£0
Max credit limitNot specified
Additional cards available1
IncentiveEarn 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.

If you’ve got a big purchase coming up but you’re also still clearing an outstanding credit card balance, this card could help.

The Sainsbury's Bank Dual Offer Credit Card Mastercard charges no interest on purchases or balance transfers for a long period as you reorganise your finances.

You could also pick up bonus Nectar points as a new customer, in addition to your standard Nectar points every time you shop. What’s more, the points you can earn using a Sainsbury’s Bank credit card are in addition to the points you earn when you hand over or swipe your regular old Nectar card.

What you’ll like

  • Earn Nectar points on all your spending, and earn points at an enhanced rate when you use your card at Sainsbury’s.

What to watch out for

  • There’s a balance transfer fee of 3% (min. £3).
  • Depending on Sainsbury’s Bank’s assessment of your credit profile and circumstances, you might be offered a different interest rate or shorter 0% periods.

How does this compare with other “matched” deals?

Table: sorted by representative APR, promoted deals first
Updated September 15th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
0% for 20 months reverting to 19.9%
£0
19.9% p.a. (variable)
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
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).
0% for 27 months reverting to 19.9%
0% for 27 months reverting to 19.9%
£0
19.9% p.a. (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
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).
0% for 27 months reverting to 20.93%
0% for 27 months reverting to 20.93%
£0
20.9% p.a. (variable)
Introductory 0% purchase offer only applies to purchases made within 60 days of opening.
Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 15.9%
£3 per month
21.7% p.a. (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% 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 24 months reverting to 19.9%
0% for 24 months reverting to 19.9%
£0
19.9% p.a. (variable)
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).
0% for 20 months reverting to 19.94%
0% for 20 months reverting to 19.94%
£0
19.9% p.a. (variable)
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).
0% for 20 months reverting to 19.95%
0% for 20 months reverting to 19.95%
£0
19.9% p.a. (variable)
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 up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (08085 40 50 60), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Sainsbury's Bank Dual Offer Credit Card Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

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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6 Comments

  1. Default Gravatar
    Silvia
    April 15, 2019

    If you don’t feel confident enough with this card can you cancel it?

    • AvatarStaff
      johnbasanes
      April 16, 2019

      Hi Silvia,

      Thank you for reaching out to Finder.

      Yes, you have the ability to cancel this card when you want but please note to zero out the balance first to ensure that penalties are not incurred. Hope this helps!

      Cheers,
      Reggie

  2. Default Gravatar
    Catherine
    November 19, 2018

    I have saved my partly filled in online application. How do I get the form back up on screen?

    • AvatarStaff
      Charisse
      November 27, 2018

      Hi Catherine,

      Thanks for reaching out to finder.

      If you’re able to save your online application by entering a memorable word and clicking on “Save”, your application will be saved for 30 days.

      You will be able to retrieve your application by simply entering the memorable word you used and the application reference number that Sainsbury’s bank sent to the email address you supplied during your application.

      I hope this helps.

      Cheers,
      Charisse

  3. Default Gravatar
    Andy
    November 13, 2018

    hi, how do i transfer my overdraft onto a 0% transfer card? i am waiting for the sainsburys dual card to be delivered to me after being accepted.

    • AvatarStaff
      Joshua
      November 29, 2018

      Hi Andy,

      Thanks for getting in touch with finder. I hope all is well with you. :)

      Once you received your card, you can call Sainsbury’s Bank. They are available Monday to Friday from 8am-midnight and on weekends from 8am-6pm. Make sure you have your Sainsbury’s Bank credit card number ready before you request a balance transfer from another card. Both cards need to be in your name.

      If in case you requested the transfer during your card application, activate your card before the transfer can be completed.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

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