{"id":117317,"date":"2018-07-04T13:29:50","date_gmt":"2018-07-04T12:29:50","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=117317"},"modified":"2026-02-17T13:18:10","modified_gmt":"2026-02-17T13:18:10","slug":"nectar-credit-cards","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/credit-cards\/nectar-credit-cards","title":{"rendered":"Compare Nectar credit cards"},"content":{"rendered":"<h3>What is Nectar?<\/h3><p>Nectar is a loyalty scheme owned by Sainsbury\u2019s. You can collect and spend points at Sainsbury\u2019s, and additionally with a range of shops and services like Argos, eBay and Eurostar. Each point is worth 0.5p when redeemed at Sainsbury&#8217;s, but occasionally you&#8217;ll come across promotions that allow you to redeem your points at a better rate \u2013 sometimes even to &#8220;double up&#8221;.<\/p><h3>How to compare cards that offer Nectar points<\/h3><p>There is currently just one card issuer offering reward credit cards that let you earn Nectar points while you spend: American Express. Sainsbury\u2019s Bank (on the Mastercard network) has stopped issuing credit cards. Here are some of the key factors to consider when comparing Nectar credit cards.<\/p><ul class=\"has-margin-bottom\"><li><strong>Earn rate.<\/strong> How many Nectar points you receive per \u00a31 spent. Each card may have more than one earn rate \u2013 typically you can expect one earn rate for money you spend with Sainsbury&#8217;s, and another earn rate for money you spend elsewhere.<\/li><li><strong>Introductory offers.<\/strong> You&#8217;ll often be able to bag a few thousand Nectar points just for opening the account. Additionally you may be able to earn points at a better rate for a promotional period, or on, say, your first five shops.<\/li><li><strong>Annual fee.<\/strong> Rewards\/loyalty bonuses are often offset by an annual fee. It may be worth taking the hit on an annual fee if you&#8217;re likely to earn an even greater sum in rewards \u2013 time to get the calculator out! Multiply the amount you&#8217;d expect to earn in rewards each month by 12, and compare it against the annual fee.<\/li><li><strong>Interest rates.<\/strong> Credit cards typically have a standard rate for purchases, but other rates are likely to apply for other types of credit, such as a cash advance (withdrawing cash from the account) or a balance transfer (bringing debt across from your previous credit card). Additionally, some credit cards come with a better rate initially, that later reverts to the standard rate.<\/li><li><strong>Other fees.<\/strong> These may include fees for things like non-sterling transactions when you&#8217;re abroad, balance transfers, cash advances or late payments.<\/li><li><strong>Other perks.<\/strong> This could be anything from travel insurance to a discount at the in-store cafe.<\/li><\/ul><p>There shouldn\u2019t be any difference between where you can spend or earn your points between these issuers, but the earn rates on the cards may differ. You should also keep sight of any sign-up bonuses, or annual fees.<\/p><h3>How do Nectar points work?<\/h3><p>By carrying your Nectar card when you shop at Sainsbury&#8217;s, you can earn points while you spend. Do the same with a Nectar credit card, and you could boost the rate at which you earn points, and tap into some great account-opening offers, too. The points you earn with your credit card are on top of the points you earn when you swipe your regular old Nectar card. For example, with an American Express Nectar Credit Card, you&#8217;ll get two points for every \u00a31 spent in addition to your usual Nectar points.<\/p><p>But it can be difficult to know whether loyalty credit cards are worthwhile, and it&#8217;s easy to get hooked on collecting points \u2013 leading to unnecessary or frivolous spending. With different cards earning you points at different rates, and with points being worth different amounts at different retailers, you could be forgiven for getting confused. This guide will take you through how to decide whether a Nectar credit card is right for you, and how to compare the cards available to find the right one for your circumstances.<\/p><h3>Exchanging Nectar points for Avios points<\/h3><p>Nectar points can be exchanged for Avios air miles, thanks to a partnership between Sainsbury&#8217;s and British Airways back in 2021. This means you can use your Avios air miles towards purchases at Sainsbury&#8217;s and any points you collect from Sainsbury&#8217;s can be exchanged for money off of your flights (as long as you have enough). <\/p><p>You can exchange 400 Nectar points for 250 Avios, which gives them a value of around 0.6p per Avios. And if you were to swap 300 Avios, you would get 400 Nectar points valued at 1.3p.<\/p><h3 id=\"pros_and_cons\">Pros and cons of Nectar credit cards<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Sainsbury\u2019s runs promotions throughout the year where shoppers can \"double-up\" (in other words each point becomes worth a penny) their Nectar points.<\/li>\n                                    <li>There are often promotions for other companies where you can spend your Nectar points too. For example at Pizza Express, where Nectar points can often be redeemed at an enhanced rate.<\/li>\n                                    <li>You can collect and spend points at over 400 different retailers.<\/li>\n                                    <li>There are usually some hefty sign-up bonuses to be had, although these may require a minimum spend.<\/li>\n                                    <li>It's normally possible to have multiple cardholders \u2013 meaning you can earn points on their spending too (although there's only ever one account holder \u2013 who is fully-responsible for the account).<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>Depending on the card, you may have to spend quite a lot of money to get points of any substance.<\/li>\n                                    <li>You can\u2019t use the full value of your Nectar points at any one time. They must be spent in 500-point (\u00a32.50) blocks.<\/li>\n                                    <li>You may have an annual fee to pay, although this is typically waived in the first year.<\/li>\n                                    <li>As with all credit cards, you have to be careful that you are paying off your credit card on time, to avoid any interest stings.<\/li>\n                                    <li>Collecting loyalty points can be addictive \u2013 it encourages you to spend more than you might have otherwise.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3>Alternatives to Nectar credit cards<\/h3><p>You may decide that the extra points you can get with a Nectar credit card aren\u2019t worth it \u2013 if so, you can still get the general free Nectar card available from Nectar.com, the Nectar app or from Sainsbury\u2019s supermarket. The card offers you 500 points per \u00a32.50, and you will still be able to get the deals from other participating Nectar partners.<\/p><p>There are also lots of other supermarket loyalty schemes out there, with credit cards to match \u2013 for example, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/tesco-bank\">Tesco<\/a>, <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/asda-money\">Asda<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/marks-and-spencer\">M&#038;S<\/a>.<\/p><p>You may also wish to consider the option of a <a href=\"https:\/\/www.finder.com\/uk\/credit-cards\/cashback-credit-cards\">cashback credit card<\/a> as another way to make your money go further.<\/p><h3>Frequently asked questions<\/h3><ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Can you share your Nectar card?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes. Believe it or not, up to 99 cardholders can use the same account. Just remember there&#8217;s only ever one person responsible for the account, however.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How do I find out about Nectar promotions?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>As well as watching for promotions in-store, keep your eye on your emails \u2013 Nectar will usually contact you about the latest deals. You can also download the smartphone app where you&#8217;ll be able to keep an eye on your balance and opt in to personalised offers and promotions.<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000002\" data-toggle=\"collapse\" data-target=\"#accordion0000000002\">\n        <span class=\"luna-accordion__title\">Are Nectar points worth it?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000002\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>They can be, but depending on the card it can take a while to save up your points. Be careful not to fall into the trap of spending just to earn points \u2013 whatever you&#8217;re buying, check to see if you can get the same thing cheaper elsewhere.<\/p><\/div>\n  <\/div>\n<\/li><\/ul><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">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 <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. 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. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article>","protected":false},"excerpt":{"rendered":"<p>Find out which credit cards offer the best earn rates per \u00a31 and start collecting Nectar points every time you use your card.<\/p>\n","protected":false},"author":195,"featured_media":573428,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"Compare best nectar credit cards","_yoast_wpseo_title":"Compare the best Nectar credit cards for [date format=\"Y\"] | Finder UK","_yoast_wpseo_metadesc":"Find out which credit cards offers the best earn rates and best introductory offers, so you can start collecting Nectar points every time you use your 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13:18:14\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated this guide to reflect that Sainsbury&#39;s Bank no longer issues credit cards. \"}","_last_major_update":"","feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[2112],"tags":[2565,3849],"asset_tag":[],"class_list":["post-117317","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-latest-3","tag-page_type-scheme"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Compare the best Nectar credit cards for 2026 | Finder UK<\/title>\n<meta name=\"description\" content=\"Find out which credit cards offers the best earn rates and best introductory offers, so you can start collecting Nectar points every time you use your card.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/credit-cards\/nectar-credit-cards\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Compare Nectar credit cards\" \/>\n<meta property=\"og:description\" content=\"Find out which credit cards offers the best earn rates and best introductory offers, so you can start collecting Nectar points every time you use your card.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/credit-cards\/nectar-credit-cards\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" 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