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"It just takes a minute to complete and submit your Sainsburys Credit Card application"
Sainsbury's Finance offers a range of credit cards to suit your needs. Whether you need to transfer a balance or make a purchase, take a look at what we have to offer.
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WARNING : The card issuer may STOP card offers and promotions without notice. Grab the card of your choice while it last.
For detailed card information or to apply, click on the link next to the card of your choice and a new window will be opened for you.
For non Nectar card holders
Sainsbury's Credit Card for non Nectar card holders offers 0% for 12 months on Sainsbury's shopping† and 0% for 9 months on all other shopping. There's also 0% for 9 months on balance transfers (3% BT fee applies).
0% for the first 12 months on Sainsbury's shopping†
0% for the first 9 months on balance transfers (+3% fee, minimum £3)
0% for the first 9 months on all other purchases
No annual fee
15.9% APR typical variable.
Enjoy safe and secure payments with Chip and PIN
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Personal pricing
As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
Love managing your money online?
No problem. When you apply, you'll be able to register for our secure online banking service. You can also view transactions, make payments and much more.
†For the first 12 months from account opening you will get 0% on purchases made at Sainsbury's. Excludes Sainsbury's Telecoms and Energy which will be treated as non-Sainsbury's purchases. You will get 0% for the first 9 months from account opening on non-Sainsbury's purchases. Thereafter, your personal APR for purchases will be either 15.9% APR (variable), 19.9% APR (variable), or 21.9% APR (variable).
You will also get 0% for the first 9 months from account opening on balance transfers (a fee of 3% applies for each balance transfer). Thereafter your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best and typical rate of 15.9% APR (variable). we'll let you know your interest rate as soon as we've assessed your application.
Rewarding our shoppers
With a Sainsbury's Credit Card, Sainsbury's shoppers with a Nectar card* can enjoy 0% for 12 months on all shopping and balance transfers (3% BT fee applies) 15.9% APR typical variable
0% for the first 12 months on Sainsbury’s shopping
0% for the first 12 months on balance transfers (+3% fee, minimum £3)
0% for the first 12 months on all other shopping
No annual fee
15.9% APR typical variable.
*Must have swiped your Nectar card in store in the last 6 months. We may check your Nectar account to verify this.
To keep your promotional rate you must pay at least the minimum payment by the due date and stay within your credit limit.
Personal pricing
As we treat all our customers and their applications on an individual basis, the APR and the interest rates we offer are determined by the details you supply, along with an independent verification of credit and repayment history.
Love managing your money online?
No problem. When you apply, you'll be able to register for our secure online banking service. You can also view transactions, make payments and much more.
For the first 12 months from account opening you will get 0% on all purchases. Thereafter, your personal APR for purchases will be either 15.9% APR (variable), 19.9% APR (variable), or 21.9% APR (variable). You will also get 0% for the first 12 months from account opening on balance transfers (a fee of 3% applies for each balance transfer). Thereafter your interest rates for balance transfers will be the same as for purchases. Two thirds of customers are offered our best and typical rate of 15.9% APR (variable). We'll let you know your interest rate as soon as we've assessed your application.
Twice as nice - Earn double Nectar points on Sainsbury's shopping.*
With a Sainsbury's Nectar Credit Card you get double Nectar points on Sainsbury's shopping* for 2 years when you pay with your Sainsbury's Nectar Credit Card and hand over your Nectar card.
Plus you can enjoy:
12.92% p.a. on purchases and balance transfers and no balance transfer fee
Earn Nectar points when you use your Sainsbury's Nectar Credit Card elsewhere - 1 point for every £5 you spend
Optional repayment cover
No annual fee
12.9% APR typical variable
See how your points add up
Jennifer spends £49 a week in Sainsbury's on shopping for the family and swipes her Nectar card every time she shops. When she pays with her Sainsbury's Nectar Credit Card, she doubles her points every week. That means she can earn enough points to get a week's free shopping once a year for 2 years. Now that's rewarding!^
Love managing your money online?
No problem. When you apply, you'll be able to register for our secure online banking service. You can also view transactions, make payments and much more.
*New customers only when you pay with your Sainsbury's Nectar Credit Card. With a Sainsbury's Nectar Credit Card, 2 Nectar points are earned on each full £1 of each separate transaction made on shopping at Sainsbury’s for the first 2 years the account is opened. Excludes Sainsbury’s Telecoms and Energy which will be treated as non- Sainsbury's purchases. For non-Sainsbury's purchases 1 Nectar point is earned on each full £5 of each separate transaction. Nectar points may take up to six weeks to appear on your account. Sainsbury's Bank plc and Sainsbury's Supermarkets Limited reserve the right to alter or terminate the Nectar point offer at any time, without the need for prior notice.
^Week's free shopping is calculated by adding together the base points you normally earn instore / online and the bonus points awarded when you take out a Sainsbury's Nectar Credit Card or other qualifying Sainsbury's Finance product. Additional terms and conditions apply.
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All card applications are strictly confidential.