Sainsbury's Nectar Credit Card
Sainsbury's Bank (NewDay) · Reward Points · Reward Points
This comprehensive guide covers the Sainsbury's Nectar Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Sainsbury's Nectar Credit Card from Sainsbury's Bank (NewDay) offers reward points rewards redeemable as reward points. Top earning categories include 3 nectar points per £1 at sainsbury's and argos and more. This card has no annual fee.
Best for: Grocery, General Online, Dining, Fuel
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 300 pts/$100 3 Nectar points per £1 at Sainsbury's and Argos
- 100 pts/$100 1 Nectar point per £1 on all other spending
Important Notes
- Nectar points can be spent at Sainsbury's, Argos, eBay, and other Nectar partners.
- 500 Nectar points = £2.50 at Sainsbury's (standard conversion).
- No annual fee — widely held supermarket loyalty card.
- Visa acceptance across the UK.
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
Sainsbury's Nectar Credit Card vs Similar Cards
- American Express Nectar Credit Card — Reward Points · £0
Maximize Your Rewards
To earn the highest rewards, use the Sainsbury's Nectar Credit Card for its bonus categories: Grocery, General Online, Dining, Fuel, Travel.