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

Sainsbury's Bank Dual Offer Credit Card Mastercard
Sainsbury's Bank Dual Offer Credit Card Mastercard

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

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.

Key details

IssuerSainsbury's Bank
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 26 months reverting to 20.95%
Balance transfer fee3% (min. £3)
Purchases0% for 26 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.
Annual/monthly fees£0
Balance transfer fee3% (min. £3)
Money transfer fee4% (min. £4)
Foreign usage charge (EU)2.75%
Foreign usage charge (rest of world)2.75%
Cash advance fee3% (min. £3)
Late payment fee£12
Duplicate statement fee£0
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
AvailabilityAvailable to new customers
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).
Finder.com is a credit broker, not a lender, for consumer credit products. Our services are provided at no cost to you, but we may receive a commission from the companies we refer you to.

How does this compare with other “matched” deals?

Comparison ordered by representative APR with affiliated products shown first.
Updated June 20th, 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 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 24 months reverting to 19.95%
0% for 24 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).
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).
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).
0% for 27 months reverting to 20.93%
0% for 27 months reverting to 20.93%
£0
20.9% p.a. (variable)
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).

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.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

Was this content helpful to you? No  Yes

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

6 Responses

  1. Default Gravatar
    SilviaApril 15, 2019

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

    • Avatarfinder Customer Care
      johnbasanesApril 16, 2019Staff

      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
    CatherineNovember 19, 2018

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

    • Avatarfinder Customer Care
      CharisseNovember 27, 2018Staff

      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
    AndyNovember 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.

    • Avatarfinder Customer Care
      JoshuaNovember 29, 2018Staff

      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

Go to site