Sainsbury's Nectar | No Balance Transfer Fee credit card

3518 reviews

Representative 21.9% APR

Intro purchase rate: 0% for 3 months

Purchase rate: 21.95%

Representative example:

Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so when borrowing £1,200 the Representative APR will be 20.9% (variable).

Sainsbury's Nectar | No Balance Transfer Fee credit card customer reviews.

3518 reviews

3.7 out of 5 stars

Our review of Sainsbury's Nectar | No Balance Transfer Fee credit card

Although usually a destination for reasonably priced groceries, Sainsbury’s also offer a number of different financial products. The representative APR for their No Balance Transfer Fee Credit Card is similar to their competitors at 18.9%. The main benefit of this card is that you will be charged 0% on balance transfers for the first 28 months of getting the card, and if this is completed within the first three months then you also won’t pay a fee for doing so. After the three months this goes up to 3%, which is a standard cost. There is no annual fee but if you go over your credit limit or make a late payment then you’ll receive a charge of £12 in each instance.

Being able to earn Nectar points is a benefit that’s individual to Sainsbury’s and for every £1 you spend on your No Balance Transfer Fee Credit Card you’ll receive 2 Nectar points in return. You can also earn as you spend in other stores and for every £5, you’ll earn 1 Nectar point. These points all add up and can be exchanged for treats or to spend in Sainsbury’s or with other brands such as ASOS, Sky, and Just Eat.

The Sainsbury’s No Balance Transfer Fee Credit Card has a fairly low OPTIOSCORE and despite the features and positive customer sentiment, its simplicity score has let it down. It’s quite difficult to find reviews online that are specific to this card, but we can look at those that are for Sainsbury’s Bank overall to gauge an idea of the overall customer experiences. TrustPilot have granted them a rating of ‘poor’. Some customers have experienced poor service, difficulties with online banking and disorganisation which is a shame considering they are thought of so highly when considering the food and drink side of things.

Overall verdict: Earning Nectar points and an introductory 0% on balance transfers for 28 months makes the Sainsbury No Balance Transfer Fee Credit Card an attractive offering. However, you’ll need to have good credit to be considered for this card, so if there’s any doubt that you’ll be accepted it might be best to look elsewhere.

Andrew Freelander
Written by
Andrew Freelander
Brand & Content Manager at Choose Wisely

Andrew joined Choose Wisely 5 years ago, originally working in a design capacity to make sure the website was simple to use. Most notably he worked with the Consumer Finance Association to design the comparison table of choice for High-Cost Short Term Finance products.


  • Earn 750 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
  • 2 Nectar points for every £1 spent in store and on fuel
  • 1 Nectar point for every £5 spent elsewhere
  • No balance transfer fee for 3 months
  • 0% on balance transfers for the first 26 months
  • 0% interest on purchases for your first 3 months

Minimum criteria

  • You must be aged over 18
  • You need to have a permanent UK address
  • You cannot have been declined for credit in the last month
  • No history of bad credit
  • You cannot already have a credit card with Sainsbury’s
  • Sainsbury's Bank Nectar Credit Cards are available to new Sainsbury's Bank Credit Card customers only.


  • Introductory Balance Transfer Rate: 0%
  • Introductory Balance Transfer Fee: £0
  • Introductory Purchase Rate: 0%
  • Balance Transfer Rate: 18.9%
  • Balance Transfer Fee: £3
  • Purchase Rate: 21.95%
  • Fee Amount: £3
  • Representative APR: 21.9%

About Sainsbury's Nectar | No Balance Transfer Fee credit card

The No Balance Transfer Fee Credit Card from Sainsbury’s has a representative APR of 18.9% and 0% interest on balance transfers for the first 28 months of opening the account. There is also no balance transfer fee on those made within the first three months, which then goes up to 3% thereafter. Customers of the No Balance Transfer Fee Credit Card also pay 0% on purchases for the first three months and there is no annual fee.

Holders of the Sainsbury’s No Balance Transfer Fee Credit Card can also collect 2 Nectar points for each £1 spend in store or on fuel, and 1 Nectar point if a customer spends £5 on the card elsewhere. Holders can also earn 1,000 bonus points each time they spend £40 or more on Sainsbury's shopping using their credit card. You can receive this up to ten times in your first 2 months, earning you 10,000 points! 

The application is completed online in three steps and if you have a Nectar card then you’ll need to provide the details in order to benefit from the extra bonus points that you’ll receive with your No Balance Transfer Fee Credit Card. If approved, customers can then manage their card online via Sainsbury’s online banking to make payments, view transactions, complete balance transfers and requesting new credit limits.

Company information

Registration number: 03279730

3 Lochside Avenue, Edinburgh, Mid Lothian, EH12 9DJ

FCA registration

Reference No: 184514

Trading names: Sainsbury's Bank PLC

Place of business: 33 Holborn, London, EC1N 2HT

Data protection registration

Registration No: Z760781X

Data controller: SAINSBURY'S BANK PLC

Address: 33 Holborn, London, EC1N 2HT

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