Sainsbury’s Dual 24 Month Credit Card review

A fan of collecting reward points whilst you shop? You’ll get 0% interest on balance transfers and purchases for up to 24 months, as well as up to 5,000 bonus Nectar points in your first two months.

Why you can trust this review

Sainsbury’s Dual 24 Month Credit Card

Representative example: The standard interest rate on purchases is 21.9% pa (variable), so if you borrow £1,200 the representative APR will be 21.9% (variable).

Balance transfers

0% for 24 months

Representative APR

21.9% (variable)

Purchases

0% for 24 months

Annual fee

£0

Last updated: 20th April 2022

Sainsbury’s Dual 24 Month Credit Card review: Who is it best for? 

This Sainsbury’s Dual 24 month credit card, is considered an all rounder because it comes with two offers, 0% interest on balance transfers (3% fee) and 0% interest on purchases for 24 months. 

With no annual fee, a balance transfer could help you consolidate any existing credit card debt. On the flip side, interest-free purchases might be ideal for you, if you have a large purchase you want to make and would rather spread the cost, or want the extra security of Section 75.

An additional benefit for those who collect Sainsbury’s nectar points - collect 500 bonus points for every £35 spend in the first two months, totalling 5000 points. *

Important things to note:

You might be offered an interest period of 16 months, as opposed to 24 months. This is case by case, as everyone’s circumstances are different. The same will apply to the 0% interest offer on purchases. 

If you transfer money from this card to your current account, there’ll be a charge of 4% for each transfer.

*5000 nectar points on a Sainsbury's shop. This is allowed up to ten times in your first 2 months, making a total of 500 points, the equivalent of £25

Sainsbury’s Dual 24 Month Credit Card - benefits & disadvantages

  • 0% interest on balance transfers for 24 months (3% fee, minimum £3)
  • 0% interest on purchases for 24 months
  • Benefits of two cards in one, so you don’t affect your credit score by applying for multiple cards
  • Up to 5000 bonus Nectar points in your first two months
  • 3% balance transfer fee - example, if you transfer £2,000 you’ll have to pay £60
  • A card that serves two purposes might pull you in two different directions. Are you reducing debt? or accumulating more?
  • Reward points only benefit those who collect nectar points
  • High APR after two year introductory offer expires

Sainsbury’s Dual 24 Month Credit Card - what we liked

With two introductory offers in one, the Sainsbury’s Dual 24 month Credit Card helps you potentially clear debt, and gain reward points all at the same time.

These points can now be converted into Avios points, if you have a British Airways Executive Club account.

1. 0% interest on balance transfers for 24 months

You’ve got two years to set up a goal to clear your existing credit card debt. How much can you afford each month to go towards paying off your balance?

Without the worrying threat of incurring monthly interest, you might feel inspired to pay more than the monthly amount set by the provider, this will help you clear your debt faster.

In turn, bringing down your credit utilisation rate, and helping to improve your credit score. Remember there will be a 3% transfer fee.


2. 0% interest on purchases for 24 months

Similarly, this credit card offers two years to make purchases without incurring any interest charges. This could be handy if you want to purchase something that would otherwise cause quite a dip in your savings. In this way you can spread the cost, whilst helping to build your credit score.

However, if you’re also using this card as a balance transfer card, be careful not to accumulate additional debt. Can you afford to pay off your balance transfer each month, and pay off your purchases too?



3. Nectar points

Rewards are always a great incentive, as you’re getting a little extra for its usage. There’s 500 Nectar points up for grabs per every £35 spent on a Sainsbury’s shop, in the first two months. 

Then you receive 3 points per £1 spent at Sainsbury’s, Argos, Sainsbury’s petrol, Tu clothing and Habitat. Or £1 for every £5 spent elsewhere. 

Accumulated points can go towards your regular shop, or saved up for that much needed getaway, for example, 400 nectar points can be converted into 250 Avios points. 


Sainsbury’s Dual 24 Month Credit Card - what could be better

Sainsbury's might be on a mission to help everyone eat better, but does that mean they can deliver when it comes to helping you clear your debt?

The Dual 24 credit card presents the best of both worlds, but expect some drawbacks that should be considered when comparing this credit card, such as fees, the rewards and APR after the introductory period.

1. Balance transfer fee 3%

If your main need is a balance transfer credit card, then you might be able to find another credit card that doesn't have a transfer fee attached. Or even a credit card with a longer introductory period, ranging from 30-33 months.

The Sainsbury’s Dual 24 Credit Card has a 3% charge on any amount that is transferred.

The larger the transfer amount, the more it will cost you. So if you were to transfer £2,000, you’ll have to pay £60.


2. Two in one offer

Are these introductory offers worth it?

At first glance they look great, but are you likely to reduce your debt if you’re being enticed with a purchase offer at the same time?

Having this card will require great discipline. 

Knowing that you have 24 months before interest is applied, can be tempting to let those monthly payments slide. If you're not careful, this can result in an accumulation of debt.

To keep the introductory offer you must make minimum payments each month, and not exceed your credit limit. 


3. Rewards

If you're not a regular shopper in Sainsbury's, or you don't collect nectar points, the rewards could be less of a deal breaker.

There might be another credit card on the market that would suit your needs better, such as the M&S bank reward card, or the Virgin Atlantic reward card.

If you're using this credit card for the no interest purchase offer, then you might as well utilise rewards that work for you.

Sainsbury’s Dual 24 Month Credit Card: final verdict

Think about what you really want to use your credit card for. Your finances and your credit score are important things to protect. 

The purpose of a balance transfer card is to help you clear your debt, so it’s a good idea to utilise introductory offers, such as the 24 month interest free opportunity. 

However… the interest free purchase offer is a great deal if you know you have self control.

Are 0% interest purchase offers like this the reason you’re now shopping for a balance transfer credit card? No judgement! Just be careful to assess your monthly finances. Make those monthly payments count, and get back on track.

Sainsbury’s Dual 24 Month Credit Card - details, fees, requirements

IssuerSainsbury’s
NetworkMastercard
Annual fee£0
Balance transfer rate0% interest for 24 months
Balance transfer fee3% (minimum £3)
Purchase rate0% interest for 24 months
Cash advance fee 4% (minimum £4)
Rewards offers3 nectar points per £1 spend (Sainsbury's stores) 500 Nectar points (first two months)
Monthly/annual fees £0
Balance transfer fee 3%
Cash withdrawal/Cash advance fee 4% (minimum £4)

Application requirements

To apply, you must meet the below requirements:

  • Be aged 18 years or over

  • Be a UK resident

  • Have a UK bank or building society account

  • Have a good credit history

  • Have a personal income of at least £10,000 


How does it compare?

42 results found, based on transferring £1000 and paying £100 a month. Sorted by longest balance transfer period. Find out more about how our calculator works and how we order our comparisons.
Sort
£
£
Virgin Money Balance Transfer Credit Card (34 Mths) (21.9%)
Balance transfers
0% for 34 months with a 2.7% fee
Balance transfer fee
2.7%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £27.00
Virgin Money Balance Transfer Credit Card (34 Mths) (21.9%)
Earn cashback on credit card spend at participating retailers when they are enrolled in the programme via the mobile app.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (34 Mths) (23.9%)
Balance transfers
0% for 34 months with a 2.7% fee
Balance transfer fee
2.7%
Representative APR (variable)
23.9% APR
Pay the balance over
11 months with fees & interest of £27.00
Virgin Money Balance Transfer Credit Card (34 Mths) (23.9%)
Earn cashback on credit card spend at participating retailers when they are enrolled in the programme via the mobile app.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (34 Mths) (25.9%)
Balance transfers
0% for 34 months with a 2.7% fee
Balance transfer fee
2.7%
Representative APR (variable)
25.9% APR
Pay the balance over
11 months with fees & interest of £27.00
Virgin Money Balance Transfer Credit Card (34 Mths) (25.9%)
Earn cashback on credit card spend at participating retailers when they are enrolled in the programme via the mobile app.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 25.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 33 Months Credit Card
Balance transfers
0% for 33 months with a 2.89% fee (£3 min.)
Balance transfer fee
2.89% (£3 min.)
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £28.90
Sainsbury's Bank Balance Transfer 33 Months Credit Card
Balance transfer fee of 2.89% or 3% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Halifax Longest 0% Balance Transfer Credit Card
Balance transfers
0% for 32 months with a 2.89% fee
Balance transfer fee
2.89%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £28.90
Halifax Longest 0% Balance Transfer Credit Card
Balance Transfers must be completed within the first 90 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
MBNA Long Balance Transfer Credit Card
Balance transfers
0% for 32 months with a 2.89% fee
Balance transfer fee
2.89%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £28.90
MBNA Long Balance Transfer Credit Card
Balance Transfers must be made within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Sainsbury's Bank Balance Transfer Credit Card (30 Mths)
Balance transfers
0% for 30 months with a 1.5% fee (£3 min.)
Balance transfer fee
1.5% (£3 min.)
Representative APR (variable)
19.9% APR
Pay the balance over
11 months with fees & interest of £15.00
Sainsbury's Bank Balance Transfer Credit Card (30 Mths)
Balance transfer fee of 1.5% applies to transfers made at application(£3 minimum). The charge will depend on your current offer thereafter.
Once the 0% deal ends the balance transfer rate will be 19.95% p.a. variable with a 3% fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 19.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 19.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Barclaycard Platinum Balance Transfer (30 Mths)
Balance transfers
0% for 30 months with a 2.98% fee
Balance transfer fee
2.98%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £29.80
Barclaycard Platinum Balance Transfer (30 Mths)
Get up to five months of Apple Music, Apple TV+, Apple News+ and Apple Arcade for free, with your new Barclaycard. Continues as paid subscription after trial. UK only, T&Cs apply.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with no fee.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£3,000
UK Resident
MBNA Balance Transfer Low Fee Card
Balance transfers
0% for 28 months with a 0.99% fee
Balance transfer fee
0.99%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £9.90
MBNA Balance Transfer Low Fee Card
Balance Transfers must be made within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident

Credit card FAQs

About our credit cards comparison

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.

Explore credit cards guides

See more guides

credit card in a portable credit card reader machine

How to use a credit card for interest free purchases

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 purchases
A picture of a man holding a credit card next to a laptop and phone

How to get accepted for a credit card

Here is how to improve your chances of getting accepted for a credit card.

Read More
Visa and Mastercard

What is the difference between Visa and MasterCard?

MasterCard and Visa work very similarly to one another. They are payment networks, which process payments when you spend using your credit, debit or prepaid card.

Read More

Which Credit Card Is Best For Me? - Choose a card

Choosing the right type of credit card could save you money in interest, earn you rewards or help you get accepted. Here is how to pick the right one and where to find it.

Read More
Black and red scoring gauge

How to improve your credit score

You can take these steps to improve your credit score and increase your chances of getting accepted for credit in the future.

Read More

How to use cashback credit cards

If 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 More

Why compare credit cards with money.co.uk?

Comparing 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.

Proud to be award winning

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.

stevie award
WMA 2021 Logo-768x632
nba logo
logo dma
ecommerce awards