Sainsbury’s Bank Credit Card 2026 Review

Sainsbury’s Bank Credit Card3.5/5

Sainsbury's Bank

Annual fee
£0
Rewards rate
1%-3%
Welcome Bonus
Sainsbury's Bank no longer offers credit cards to new customers, and existing accounts have been transferred to NatWest.
Apply Now →on Sainsbury's Bank's website
Regular APR:29.4% APR (variable)

  • 1%Nectar points for every £2 spent at Sainsbury's
  • 3%Nectar points for every £1 spent at Sainsbury's with loyalty card

Welcome Bonus:

Sainsbury's Bank no longer offers credit cards to new customers, and existing accounts have been transferred to NatWest.

Reward Rate:

Earn 1 Nectar point per £2 spent on Sainsbury's, Argos, Habitat, and Tu Clothing, and 1 point per £5 spent elsewhere.

APR:

29.4% APR (variable)

This card is notable for its ability to earn Nectar points on everyday purchases, but it is limited by the fact that Sainsbury's Bank no longer offers credit cards to new customers.

Pros:

  • No annual fee
  • Collect Nectar points on purchases

Cons:

  • Limited to Sainsbury's and partners for higher rewards
  • No longer available for new customers
Apply now →

The Sainsbury’s Bank Credit Card may be suitable for existing customers looking to earn Nectar points on their everyday spending without incurring an annual fee; however, potential applicants should note that the card is no longer available to new customers, limiting its accessibility.

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