Compare Sainsbury's Bank Credit Cards

Updated: 29th July 2021

Sainsbury’s Bank offers you a credit card alongside your weekly shopping. Known for their long interest-free deals, Sainsbury’s Bank credit cards also give customers the opportunity to earn Nectar points on all their shopping. With cards that cover balance transfers and purchases there is something for everyone.

We’ve reviewed the cards in the Sainsbury’s Bank portfolio, looking at the fees, length of the introductory periods and any added extras, to come up with our favourites.

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Here are MyWalletHero’s top picks for Sainsbury’s Bank credit cards

Credit card offers from our affiliate partners appear first and are ordered from highest rating to lowest, followed by other top-rated offers. You can read more about our ratings and page sort here. Offers from affiliate partners are marked with a *.

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Fees
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Great for: Balance transfers with no fee
4.5 stars question mark

There’s a lot to like with the Sainsbury’s Bank balance transfer card. Cardholders get 18 months of 0% interest on balance transfers along with fee-free balance transfers over the first three months. In addition, cardholders can also take advantage of 0% interest on purchases over the first three months. And like other Sainsbury’s cards, users get perks in the form of Nectar points.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on balance transfers for the first 18 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200

what we like

  • 0% interest on balance transfers for the first 18 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in the first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% on balance transfers for 18 months
    0% on purchases for 3 months

KEY SCORES:

  • 3.5/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • 0% interest on balance transfers for the first 18 months
  • No fee on balance transfers made in the first 3 months
  • 0% interest on purchases for the first 3 months
  • Up to 7,500 bonus Nectar points in the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Great for: Long 0% interest on purchases and rewards
4.5 stars question mark

The Sainsbury’s Purchase Credit Card is a solid option for those looking for a long introductory 0% period for purchases. The card does have a balance transfer offer as well, giving users 0% interest on balances transferred from other cards. However this is only three months and carries a 3% fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200

what we like

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    20 months 0% interest on purchases
    Up to 7,500 bonus Nectar points over first 2 months

KEY SCORES:

  • 4/5 Perks
  • 3/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for the first 3 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 20.95% p.a. variable
With a representative 20.9% APR variable
Assumed credit limit £1,200
Great for: Long 0% interest on purchases and rewards
3.5 stars question mark

The Sainsbury’s Dual Offer Credit Card aims to give you the best of both worlds. Cardholders get a 20-month period with 0% interest on both purchases and balance transfers. Balance transfers are subject to a 3% fee, so those looking primarily for a balance-transfer offer may prefer to find a card without that fee. As with other Sainsbury’s cards, cardholders collect Nectar points on spending at Sainsbury’s and elsewhere. Over the first two months, shopping at Sainsbury’s could net users up to 7,500 bonus points, which is worth £37.50.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 21.95%
p.a. variable
With a representative 21.9% APR
variable
Assumed Credit limit: £1,200

 

what we like

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    21.9%
  • INTRO OFFER:

    0% on purchases for 20 months
    0% on balance transfers for 20 months

KEY SCORES:

  • 3.5/5 Perks
  • 2.5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on purchases made over the first 20 months
  • 0% interest on balance transfers for 20 months (but a 3% fee applies)
  • Up to 7,500 bonus Nectar points over the first 2 months

REPRESENTATIVE EXAMPLE

Purchase rate is 21.95%
p.a. variable
With a representative 21.9% APR
variable
Assumed Credit limit: £1,200

 


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