Sainsbury's Bank Dual Offer Credit Card

Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Get something back when you shop with a rewards credit card. From flights and holidays to hotels and store discounts, the points you earn can be exchanged for a range of rewards. Additional results may be available through our eligibility checker.
without affecting your credit score
1
Compare credit cards
Use our table of offers to find a credit card that offers all the features you need with the lowest fees and interest rates.
2
Check your eligibility
Carefully review your chosen card's terms to make sure you fit its eligibility criteria, then get your proof of ID ready.
3
Apply for the card you want
Click "view deals" and fill out the application form on the provider's website. Then sit back and wait for a reply.
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £10,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
Minimum Income | £7,000 |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
Credit Rating | good |
Minimum Age | 18 years |
UK Resident |
We are classed as a credit broker for consumer credit, not a lender.
Our services are provided at no cost to you. We may receive a commission from the companies we refer you to, but this does not affect what you will pay for the product you choose.
A rewards credit card earns you points each time you spend, which can be redeemed for different kinds of rewards. The rewards can range from airline miles, hotels, and holidays to discounts, exclusive deals or cashback.
If you’re looking for a card which gives you specific rewards, you might want to check out our air miles credit cards and cashback cards.
With a rewards credit credit card every £1 you spend on the card earns you a number of points. As you accumulate these points you can then redeem them against your cards’ specific perks.
For those rewards to be possible, credit card providers often charge annual fees and high interest rates.
You may also have to spend a minimum amount on your reward credit card each month in order to qualify for the rewards. So it’s best to work out if you’ll be spending enough to qualify for the perks, and whether you’re gaining enough to justify the annual fee.
If you’re spending enough and are able to pay off your balance in full each month, reward card cards can be a great way to get perks without paying any interest.
However, if you’re someone with existing credit card debt, need to withdraw cash from a credit card, or unsure you’re able to pay off what you’ve borrowed in full each month, these may not be the right cards for you.
Finding the best rewards credit card for you will depend on your financial circumstances and the sorts of perks you’re looking for. When you compare rewards credit cards, it might helpful to consider the following:
Points earned: Ideally you want to earn as many points as you can per £1 you spend to get good value. As a general rule, look for cards that offer at least one point per £1 spent on eligible transactions. Some cards also have expiry dates and monthly or yearly caps on the amount of points you can earn, so make sure you're aware of these limits.
Points value: Earning a lot of points per £1 sounds great, but the value of each point depends on how many points it takes to redeem a reward. For example, if you need 5,000 points to get a £50 gift card and your credit card has an earn rate of one point per £1 spent, you would have to spend £5,000 to make a redemption.
Black out dates: Some rewards periods have black out periods during which you cannot redeem your points. Make sure you read the terms and conditions of your rewards programme so you're aware of how that may impact you.
Interest rate: Rewards credit cards typically have high interest rates. If you don't usually pay off your full balance every month, or need to use your credit card for cash withdrawals, you may want to consider a 0% balance transfer credit card or a credit building credit card.
Fees: Rewards credit cards often charge annual fees. For a credit card to be beneficial, the value of the rewards you receive should at least be equal to the annual fee to break even.
They let you earn from your purchases
They often give discounts and offers on select retailers
You can earn miles on your spending and travel for free if you earn the minimum number of miles for a free ticket from the credit card issuer's sponsor airline.
Interest rates on reward credit cards are often very high
Most rewards cards charge an annual fee
They can have high minimum income requirements
You could lose your points or miles if you don't use them by a certain date
See which cards you are most likely to be accepted for without affecting your credit score
0% credit cards do not charge you interest on your purchases for a set period of time. They're commonly used for buying big, expensive products so you can spread out the cost.
More on using a credit card for interest free purchasesHere is how to improve your chances of getting accepted for a credit card.
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Read MoreYou can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.
Read MoreIf you pay off your credit card every month you could make a profit on your spending with a cashback card. Here is how to pick a card and maximise what you earn.
Read MoreComparing credit cards could help you save money or get more rewards from your spending. Our award-winning credit card comparison service makes sure you get our best deals for 0% periods and more. Our aim is to provide you with the most up-to-date information, as well as useful tools and calculators so to help you make life's most important decisions and take control of your money.
We have always aimed to provide the best possible services to bridge the gap between our users and our clients. Over the years, we have been thrilled to be recognised by various prestigious bodies and organisations for those efforts.
Last updated: 1 April, 2022