Nectar : Credit Card

Card Name:Credit Card
Networks available:Amex
Credit Card
Rates & Fees
Introductory offers
Intro balance transfer ratena%
Intro balance transfer periodno intro offer
Intro balance transfer fee3%
Intro purchase rate0%
Intro purchase periodno intro offer
Other rates and fees
Representative APR25.0% APR (Representative)
Interest free period56 days
Interest charged fromdate of trans debit
Annual fee£0
Interest on cash withdrawals27.9%
Charges and payments
Charge on overseas spending2.99%
Charge on cash withdrawals3% of withdrawal (minimum £3)
Charge for going over limit£12
Charge for late payment£12
Charge for returned payment£12
Rewards & Benefits
Spending Rewards
Cashback Rewards-
Points SchemeNectar Points: 2 points awarded for every full £1 spent on the Card Up to 4 points awarded for every full £1 spent with Nectar Partners Collect 20,000 Nectar bonus points when you spend £2,000 within the first 3 months of Card membership.
Shopping Rewards-
Charity Rewards-
Other IncentivesAmex Offers Exclusive discounts and offers from American Express.
Cardholder benefits
0% on overseas purchasesCheck
Travel insurance-
Warranty cover-
Purchase protectionPurchase Protection Benefit: Up to £20,000 for every 365 day period, for eligible items stolen or accidentally damaged within 90 days of purchase. Exclusions apply. See Summary of Benefits for full details and requirements. b) Refund Protection Benefit: Up to £200 per eligible item and £750 for every 365 day period. Exclusions apply. See Summary of Benefits for full details and requirements. c) American Express Services Europe Limited ("AESEL") makes various benefits available to Cardmembers. These benefits derive from contracts which AESEL has made with third parties which AESEL is free to amend, extend or terminate at its sole discretion. These benefits do not form part of AESEL's contract with you but AESEL will aim to inform you 30 days in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance made between AESEL and certain insurers, including Purchase Protection and Refund Protection. You will lose these benefits if you cease to be a Cardmember. Exclusions apply. Full details of the insurance benefits currently available can be found in the Summary of Benefits document
Internet fraud protectionFraud Protection Guarantee: Victims of fraud won't be held responsible for any fraudulent charges , as long as theyve taken reasonable care to protect their account details and PIN. Moreover, as soon as AMEX is alerted to fraud, thayll do all they can to resolve the matter and return the account to normal. For example, theyll credit the account in full as soon as possible, and arrange a replacement Card, with a new secure card number. For added protection, cardholders should always check their statements. This can be done online with online services, where transactions can be checked daily. Or, if registered for Card Alerts, cardholders can monitor their account activity, with weekly account balance updates by email or text message.
Opening and managing the account
Application information
Minimum age18 years
Minimum income£0 per annum
Credit ratingPrime
Existing customers only-
Additional account required-
Apply onlineCheck
Maximum credit limit£0
Account services
Manage onlineCheck
Cheque bookCheck