Sainsbury’s Bank Dual 14 Month Offer Credit Card review

This card is no longer available, but you can use our review to find alternatives.

The Sainsbury's Bank Dual 14 Month Offer Credit Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.

  • 0% interest on purchases and balance transfers, plus extra rewards
  • Fairly high balance transfer fee
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Representative example: When you spend £1,200 at a purchase rate of 23.95% (variable) p.a., your representative rate is 23.9% APR (variable).

14 months

0% interest on balance transfers


Representative APR

14 months

0% interest on purchases


Account fee


IssuerSainsbury's Bank
Annual/monthly fees£0
Balance transfers0% for 14 months reverting to 23.95%
Balance transfer fee3% (min. £3)
Purchases0% for 14 months reverting to 23.95%
Purchases interest-free periodUp to 56 days
Money transfers25.95%
Cash advances25.95%
Minimum credit limit£0
Maximum credit limitSubject to status
Additional cards available3
Earn 1 Nectar points per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. Earn 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, offer available for new customers. 1 point = 0.5p (min 500pts)
Potential costs★★★★★
Doing its job★★★★★
Overall Finder rating★★★★★
Overall customer rating
Customer rating
Satisfaction survey
83% of Sainsbury's Bank customers in our 2023 customer satisfaction survey would recommend the brand to a friend.
Some deals have little ongoing value after the introductory promotional period has expired

Review by

Chris Lilly is a publisher at 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.

Expert review

The Sainsbury’s Bank Nectar Dual Offer Credit Card is true to its name with a two-for-one approach to its key features. With no annual fee and the chance to earn up to bonus Nectar points every time you spend or more at Sainsbury’s in your first months, plus extra rewards with every shop, the Nectar Dual Offer Credit Card is great for everyday spending.

And with 0% on balance transfer and purchases for up to 14 months, it could also be a useful card to consolidate existing credit card debt or spread the cost of a large upcoming purchase. A fee of 3% (min. £3)applies on balance transfer made at application and you have to be a pre-existing Nectar member for a minimum of six months to be eligible for the card.

The Sainsbury's Bank Dual 14 Month Offer Credit Card is issued on the Mastercard network so it's accepted at more than 50 million merchant locations across more than 210 countries and territories.

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Avios and Sainsbury’s Nectar points scheme

Since 25 January 2021, Sainsbury’s Nectar points can be exchanged for Avios air miles, as part of an agreement between Sainsbury’s and British Airways. This means that any Nectar points you earn on your card can be converted to Avios and spent on BA flights, accomodation, car hire and other travel-related products and services. Under the scheme, points can be swapped at a rate of 400 Nectar points to 250 Avios.

Pros and cons


  • Customers report excellent customer service when dealing with Sainsbury's Bank
  • Over a year of 0% interest to focus on reducing existing card debt
  • Over a year to spread the cost of purchases
  • Earn points on day-to-day spending
  • No annual fee


  • Relatively high money transfer fee

Other matched 0% deals

Table: sorted by length of 0% offer
Name Product Ratings Finder rating Customer rating Balance transfers Money transfers Purchases Annual/monthly fees Representative APR Link Incentive Representative example
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
Finder score
Expert analysis
Not yet rated
0% for 17 months
(0% fee)
(3% fee)
0% for 17 months reverting to 24.9%
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
Finder score
User survey
Expert analysis
User rating
0% for 19 months
(3.49% fee)
0% for 12 months
(4% fee)
0% for 19 months reverting to 23.94%
23.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
Santander World Elite Mastercard
Finder score
User survey
Expert analysis
User rating
0% for 18 months
(0% fee)
0% for 18 months reverting to 18.9%
£15 per month
49.8% APR (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. 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 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).

Approval for any credit card depends on your status. The representative APRs shown represent 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.

Repayment options

You can make manual repayments through Sainsbury's Bank's app by logging in to your online banking or over the phone (08085 40 50 60). Alternatively, you may wish to set up a direct debit.

A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) or losing any promotional rates as a result. You could use a fixed-amount direct debit to ensure you've cleared your debt before the 0% period expires – simply divide your outstanding balance by 14 to see what you'll need to pay each month (this assumes you don't use the card for additional spending).

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

Sorry – Sainsbury's Bank is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.

Frequently asked questions

Can I withdraw cash using the Sainsbury's Bank Dual 14 Month Offer Credit Card?

Although it's possible, withdrawing cash from a credit card account is generally not a good idea, as "cash-like transactions" (such as withdrawing cash at an ATM, getting cashback at the till, spending at a casino or buying currency) often incur steep fees and/or higher rates of interest.

The cash advance fee on the Sainsbury's Bank Dual 14 Month Offer Credit Card is 3% (min. £3). For example, if you withdraw £50, you'll incur a fee of £3.00. Withdraw £250 and you'll incur a fee of £7.50.

The interest rate on this part of your balance will be 25.95%, which is 9% more than the standard purchase rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply).

How much does it cost to use the Sainsbury's Bank Dual 14 Month Offer Credit Card abroad?

Non-sterling transactions are subject to a 2.75% charge. For example, if you spend 200 euros (£173.97), it'll cost you around £4.78 in fees.

What is the minimum payment on the Sainsbury's Bank Dual 14 Month Offer Credit Card?

Each month you must pay at least 2.25% of your balance at that point or £5.00 – whichever of the 2 figures is greater. So if you had, say, £200.00 outstanding, you'd pay £5.00, and if you had £888.89 outstanding, you'd pay £20.00.

Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires.

Can I request an additional Sainsbury's Bank Dual 14 Month Offer Credit Card?

Yes, in fact, you can request up to 3 more. There's no fee for additional cards. Plus, with additional cards, you could earn points at a faster rate. Bear in mind that card debt accrued by additional cardholders is the sole responsibility of the account holder – not the additional cardholder.

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Our experts score matched/balanced credit cards to determine their value against similar products on the market. We look at a number of important factors, like the length of the introductory offer, balance transfer fees, any restrictions to the offer, plus the potential costs involved with running the card both in the short and longer term.

You can read more about our scoring criteria on our credit card methodology page.

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We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though 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, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.
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