Sainsbury's credit cards
Sainsbury’s credit cards offer something for everyone, whether you’re looking for a card with great rates on balance transfers, purchases, a low rate APR or a low balance transfer fee card. Sainsbury’s credit cards also allow you to earn Nectar reward points as you spend!
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Balance transfer intro period & rate
The length & interest rate applied when a credit card balance is transferred from one card to another.Close
Purchases intro period & rate
The length & interest rate applied to new purchases made on a card.Close
Rewards, for example, points or cashback earned when making purchases on a card.Close
Annual Percentage Rate including all fees & charges applicable.Close
Likelihood of acceptance
Find out your chance of being accepted for a card without leaving a footprint on your credit record.Close
Inspop.com Limited, trading as Confused.com, is a credit broker for the consumer credit products listed on our credit card pages. Confused.com provides an independent comparison service free of charge; however, we may receive a commission from some of the companies we refer you to.
We aim to show as many cards as possible, although there may be some we're unable to display.
Your guide to credit cards
Sainsbury's credit card
There are several Sainsbury’s credit cards available, including competitive rates on balance transfers, purchases, low rate APRs as well as Nectar rewards points as you spend.
Finding a credit card to suit you with Confused.com is simple. We compare credit cards from over 20 providers, including Sainsbury’s.
What are Nectar points? Nectar points were launched in 2002 with a selected group of partners including Sainsbury’s. When you spend at any Nectar partner with your Nectar card, you can earn points, which can then be redeemed in Sainsbury’s or at a range of Nectar partners.
Do you earn points only when you shop at Sainsbury’s?
You earn more points on your spend at Sainsbury’s and you can earn Nectar points on nearly everything you buy using the card, so if you put your normal everyday spend on the card you could soon see the rewards mount up.
How much can you earn? You can earn double Nectar points on Sainsbury’s shopping and 1 Nectar point for every £5 spent on your card in other stores.
Looking for other types of rewards? We compare a range of rewards cards that could help you earn rewards as you spend.
Sainsbury's Bank have been offering a range of financial products and rewards to Sainsbury's shoppers since 1997, when they were the first supermarket bank to open in Britain. They offer several financial products including credit cards, personal loans and savings accounts.
Credit cards terms
This is when you move an outstanding balance from one card onto another. If a card has a Balance Transfer Intro Rate it relates to the interest that is applied to the transferred balance and the duration the intro rate is applied for. So for example a 0% balance transfer intro rate for 12 months will mean that no interest will be added to your account for the balance transferred for 12 months from the date the account is opened. To qualify for the introductory rate you will need to transfer your balance within a set period from the account opening, this time limit varies by issuer. When the intro rate ends then you will be charged interest at the cards annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically that means that you must always make at least the minimum payment, on time each month, and must remain within your set credit limit.
Balance transfer fee
Sometimes also called a balance transfer handling fee, this is a charge that is applied if you do move a balance onto your new card. It is usually calculated as a percentage of the balance you wish to transfer, typically it is around 3%. So for example transferring a £2,000 balance onto your new card with a balance transfer handling fee of 3% will incur a charge of £60, this is added to the balance on the card.
This is where you pay for goods or services using your card– it doesn’t include things like cash withdrawals, cash advances or money transfers.
Purchase introductory rate
This relates to the interest that is applied to any purchases made and the duration that the introductory rate is applied for. So, for example, a 0% purchase introductory rate for 12 months will mean that no interest will be added to your account for any purchases made for 12 months from the date the account is opened. When the introductory rate ends then you will be charged interest at the card's annual percentage rate (APR).
To ensure you maintain any introductory rates applied to your account you must manage the account in line with the issuer’s terms and conditions. Specifically, that means that you must always make at least the minimum payment on time each month, and must remain within your set credit limit.
APR stands for Annual Percentage Rate and is the effective rate of interest, over the year, which reflects all the costs of the credit, including interest charges and other fees (such as an initial arrangement fee and any annual charge). It is 'representative' as 51% of those accepted for the card have to be offered the advertised APR.