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Excellent4.2(74 ratings)

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Reviewed by: worstead_weaver

Have had a credit card from Sainsburys since they were first launched and never a single problem. It is a Mast...

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Compare Sainsbury's Bank Credit Cards

This comparison includes all credit cards for this company.

sorted by:

Most popular

  • Most popular
  • Longest balance transfer period
  • Longest purchases period
  • Lowest representative APR
Sainsbury's Bank Nectar Purchase Credit Card
Balance transfers
0% for 18 months with a 3% fee (£3 min.)
Purchases
0% for 27 months
Representative APR (variable)
18.9% APR
5,000 bonus Nectar points for new customers using the card to spend £800 on Sainsbury's shopping or fuel in the first 3 months (offer extended - ends 29/12/16).
Once the 0% deal ends the balance transfer rate will be 18.95% p.a. variable with a 3% fee (min. £3 at all times).
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar No Balance Transfer Fee Credit Card
Balance transfers
0% for 22 months with no fee
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
0% balance transfer fee applies on transfers made within your first 3 months. 3% afterwards (minimum £3 at all times).
Once the 0% deal ends the balance transfer rate will be 18.95% p.a. variable with a 3% fee (minimum £3 at all times).
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Low Balance Transfer Fee Credit Card (Nectar Card Holders Only)
Balance transfers
0% for 33 months with a 0.69% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Nectar card holder exclusive: Reduced balance transfer fee of 0.69% (refunded from 1.5% fee charged) when you enter your Nectar card number during your application. Applies on transfers made within your first 3 months, 3% afterwards (min. £3 at all times)
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).
Sainsbury's Bank Nectar Low Rate Credit Card
Balance transfers
9.93% p.a. variable with no fee
Purchases
9.9% p.a. variable
Representative APR (variable)
9.9% APR
5,000 bonus Nectar points for new customers using the card to spend £800 on Sainsbury's shopping or fuel in the first 3 months (offer extended - ends 29/12/16).
Representative Example: The standard interest rate on purchases is 9.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 9.9% APR (variable).
Sainsbury's Bank Nectar Long Balance Transfer Credit Card
Balance transfers
0% for 40 months with a 2.89% fee (£3 min.)
Purchases
0% for 3 months
Representative APR (variable)
18.9% APR
Once the 0% deal ends the balance transfer rate will be 18.95% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

Sainsbury's Bank credit card reviews

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Does Sainsbury's Bank provide your credit card?

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19/10/14

Recommended

First class card provider.

Have had a credit card from Sainsburys since they were first launched and never a single problem. It is a MasterCard. Twice lost card very quickly replaced within days. Staff on phone line are courteous and knowledgeable. Nectar points are earned whenever it is used. Account can be easily accessed on line. Purchases are monitored and a phone call quickly received for verification if unusual activity is seen.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

16/10/14

Recommended

Straight forward credit card company

I don't use the card often but it operates just like any other. Don't get inundated by letters if you don't use it. I have had little contact except to request new pin which came quickly and the phone call was quick and easy. Don't know much about interest as I pay off. Get nectar points when used in Sainsbury. But don't use it often enough to benefit from this but my friend gets loads.

Easy to use

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

24/11/14

Recommended

It's a good Mastercard to have.

Spending on the card accrues Nectar points. The points can be collected on all purchases not just purchases at Sainsbury. Being a MasterCard means you can use it everywhere. I clear the balance every month. Customer service is very good, quick and efficient on the phone. They refunded interest when a payment went through a day late.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/11/14

Recommended

Easy to contact, easy to deal with

Always easy to contact Always helpful and knowledgeable staff My card was cloned and sainsburys contacted me to let me know, they immediately protected me. Monies were put straight back onto my card. New card was arranged and sent out very quickly. Statements and information easy to understand Online presence is good with members area easy to use

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

21/11/14

Recommended

Benefits of Nectar connection

Higher level of Nectar points including notification of special offers. 0% interest for 15 months from start up, so can benefit from allowing residual statement values to overrun rather then paying off each month, if things are tight at the time. You can also receive points for use elsewhere not just Sainsbury business's . i.e. Homebase etc.

Multiple nectar points.

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Sainsbury's Bank provide your credit card?

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