American Express Nectar Credit Card
American Express
- 3%Points at Nectar partners
- 2%Points on other purchases
Earn 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership.
Collect 2 points for every full £1 spent on the card, plus collect points when you shop elsewhere. Earn 3 points per £1 at Nectar partners.
36.1% APR variable
The American Express Nectar Credit Card stands out as the top choice because it offers an impressive points earning structure, especially for those who frequently shop at Nectar partners like Sainsbury's and Argos. With a generous welcome bonus and no annual fee in the first year, it provides excellent value for new cardholders.
Pros:
- High points earning potential at Nectar partners
- No annual fee in the first year
Cons:
- Annual fee applies after the first year
- Requires a minimum spend to earn the welcome bonus
The American Express Nectar Credit Card is best suited for consumers who regularly shop at Nectar-affiliated retailers and are looking to maximize their rewards without incurring an annual fee. Its competitive points earning rate and attractive welcome bonus make it a solid option for those who can take advantage of the card’s benefits in their everyday spending.