Sainsbury's Bank Log in / Register Loans Credit Cards Savings Insurance Travel Mortgages Nectar Support Home Compare Our Credit Cards – Apply Online Credit Cards Explore our credit card offers A credit card could be a great way to manage a big spend and can provide purchase protection too. With a Sainsbury’s Bank Credit Card, you also can collect up to 3 Nectar points per £1 when you shop at Sainsbury’s, Argos, Habitat and Tu Clothing. And you‘ll collect 1 point per £5 elsewhere†. We also have a Credit Card App and Online Banking to make managing your finances even easier. Representative 21.9% APR variable. We have a range of credit cards for purchases, balances transfers or a combination of both, see what suits you best. Show me: All Credit Cards Cards for purchases Cards for balance transfer Cards for purchases and balance transfer Cards for Nectar members Showing 5 of 5 products 30 Month Balance Transfer Credit Card 0% interest on balance transfers for up to 30 months A Balance Transfer fee of 1.5% applies to transfers made at application (£3 minimum). The charge will depend on your current offer thereafter 0% interest on purchases for 3 months Collect 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that’s 5,000 points†† Representative Example Purchase rate With a representative Assumed Credit Limit: 19.95% p.a. variable 19.9% APR variable £1,200 Your interest rate, promotional period and credit limit will vary depending on your individual circumstances. Check if I'm eligible Apply now More information 28 Month Balance Transfer Credit Card 0% interest on balance transfers for up to 28 months A Balance Transfer fee of 1% or 1.5% applies to transfers made at application, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter 0% interest on purchases for 3 months Collect 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that’s 5,000 points†† Representative Example Purchase rate With a representative Assumed Credit Limit: 21.95% p.a. variable 21.9% APR variable £1,200 Your interest rate, promotional period and credit limit will vary depending on your individual circumstances. Check if I'm eligible Apply now More information 21 Month No Balance Transfer Fee Credit Card 0% interest on balance transfers for up to 21 months. We may offer you a 0% interest period of 17 or 13 months depending on your individual circumstances No balance transfer fee applies to transfers made within the first 3 months. The charge will depend on your current offer thereafter 0% interest on purchases for your first 3 months Collect 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that’s 5,000 points†† Representative Example Purchase rate With a representative Assumed Credit Limit: 20.95% p.a. variable 20.9% APR variable £1,200 Your interest rate, promotional period and credit limit will vary depending on your individual circumstances. Check if I'm eligible Apply now More information Nectar Credit Card For Nectar members only. 0% interest on balance transfers for up to 17 months Balance transfer fee of 3% (minimum £3) applies on transfers made at application. The charge will depend on your current offer thereafter 0% interest on purchases for up to 17 months Collect 8,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened* Representative Example Purchase rate With a representative Assumed Credit Limit: 20.95% p.a. variable 20.9% APR variable £1,200 Your interest rate, promotional period and credit limit will vary depending on your individual circumstances. Check if I'm eligible Apply now More information Dual 22 Month Credit Card 0% interest on balance transfers for up to 22 months Balance transfer fee of 3% applies (minimum £3) on transfers made at application. The charge will depend on your current offer thereafter 0% interest on purchases for up to 22 months Collect 500 bonus points each time you spend £35 or more on Sainsbury's shopping with your credit card, up to ten times in your first 2 months, that’s 5,000 points†† Representative Example Purchase rate With a representative Assumed Credit Limit: 20.95% p.a. variable 20.9% APR variable £1,200 Your interest rate, promotional period and credit limit will vary depending on your individual circumstances. Check if I'm eligible Apply now More information Already started your credit card application? It’s easy to retrieve your saved online application. Will my credit card application be accepted? You can use our credit card checker to find out if we’re likely to approve your application. Just answer a few simple questions and we’ll work out your chance of approval. Don’t worry; this check won’t affect your credit score. Nectar member rewards Collect up to 3 points per £1 spent at Sainsbury's, Argos, Habitat and Tu Clothing when you use your credit card and swipe or scan your Nectar card. And you’ll collect 1 Nectar point for every £5 you spend elsewhere†. Representative 21.9% APR variable. Manage your finances 24/7 We have a Credit Card App and Online Banking to help make it even easier for you to manage your finances. Helpful credit card guides Using your credit card abroad Explore the benefits and pitfalls of using your card abroad Learn more How to apply for a credit card Find out all you need to know about how to get your new credit card Learn more Browse all tools and guides From credit card security and ID theft to our handy glossary Learn more Terms and conditions Google Pay™ is available. Find out more. Important information Sainsbury’s Bank Credit Cards are available to new Sainsbury’s Bank Credit Card customers only. We treat all our customers and their applications for a Sainsbury’s Bank Credit Card on an individual basis. The interest rate, promotional period and credit limit we offer are determined by the details you supply, along with an independent verification of credit and repayment history. To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit. Credit available subject to status to UK residents aged 18 or over from Sainsbury's Bank Credit Cards, PO Box 10592, Wigston, LE18 9GZ. *8,000 bonus Nectar points conditions 1. This offer is only available when you take out a new Sainsbury’s Bank Nectar Credit Card. 2. You’ll get 8,000 points if you use your card to spend a total of £400 or more at Sainsbury’s, Argos, Habitat or Tu Clothing during the 2 months after your account is opened. 3. Points will be added to your Nectar account within 60 days of the end of the offer period. 4. This offer can’t be used in conjunction with any other introductory points offer. 5. You need to add your Nectar card number to your application. 6.Spend at Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services is excluded. 7. You won’t get any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date. 8. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 9. Sainsbury’s Bank reserve the right to change or cancel this offer without notice. †Up to 3 Nectar points per £ conditions 1. You can collect points by paying with your credit card. 2. We’ll award 2 points for each full £1 spent at Sainsbury’s, Argos, Habitat and Tu Clothing in the UK. 3. We’ll award 1 point for each full £5 spent everywhere else. This includes Argos eBay stores, Argos Clearance stores, Argos For Business, Argos Spares, Argos Financial Services, Sainsbury’s Bank, Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury’s services. 4. We don’t award points on Travel Money purchases. 5. On each statement, we calculate the points due on each transaction separately, then total them up and add them to your Nectar account within 60 days. 6. You can collect additional points from Nectar partners, including up to 1 point per £1 in Sainsbury’s, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction. You can find details of their collection rates at nectar.com 7. No cash alternative is available. 8. We reserve the right to change or cancel this offer without notice. ††Collect up to 5,000 Nectar points 1. This offer is only available when you take out a new credit card. 2. You’ll get 500 bonus Nectar points when you use your card to buy £35 or more of Sainsbury’s shopping, up to 10 times during the 2 months after we open your account. 3. We’ll add the points to your Nectar account within 60 days of the end of the offer period. 4. You need to tell us your Nectar card number when you apply. 5. Spend at Argos, Habitat, Sainsbury’s petrol stations (including non-fuel purchases), Sainsbury's Bank (including travel money), Sainsbury’s Energy, Sainsbury’s Cafes, Sainsbury’s e-Gift Cards and any other Sainsbury's services is excluded. 6. We won’t give you any points if you go over your credit limit or don’t pay at least the minimum payment on each statement by its due date. 7. Sainsbury's Supermarkets Ltd award the points from this offer. No cash alternative is available. 8. We reserve the right to change or cancel this offer without notice. 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