Sainsbury's Bank Nectar No Balance Transfer Fee Credit Card - Sainsbury's Bank

Sainsbury's Bank Nectar No Balance Transfer Fee Credit Card (MasterCard)

Sainsbury's Bank
20.9 % AER
APR Representative
20 months
Interest free balance transfers
  • 0 % (minimum £ 0) balance transfer fee
  • Cashback
  • Rewards
    • Apply by:
Long fee-free balance transfer deal
Collect Nectar points as you spend
High charges on overseas spending
Representative 20.9% APR variable. Based on assumed borrowing of £1200. Rate of interest 20.95% (variable) annual.

This account may be appropriate for you if

  • Your income is at least £ 10,000 per year
  • You have a Prime credit rating
  • You are older than 18


Enhanced Introductory Rate: Not applicable.


Points per £ Spent in Participating Stores: 2
Points per £ Spent Elsewhere: 0.2
Points Required for £1 Reward: 200

Introductory Offers

Introductory Purchase Rate Period: 3
Balance Transfers Allowed: Yes
Max Balance Transfer Limit: 95 of your credit limit
Introductory Balance Transfer Rate: 0 % AER
Balance Transfer Offer Term: 20 months
Introductory Balance Transfer Fee: 0 % (minimum £ 0)
Money Transfers Allowed: Yes

Overseas Use

Cost of £100 Transaction Worldwide: £ 2.75
Charges for £100 International Cash Withdrawal: £ 3
Interest Charged on Cash Withdrawals: 25.95 % AER
Airport Lounge Access: No
Overseas Insurance:
  • Travel Accident Insurance
  • Travel Medical Insurance
  • Travel Cancellation Coverage

Payment Options

Contactless Payments
Pay Bill With Direct Debit
Make Direct Debit Payments
Optional Cheque Book


Optional concierge service
Earn Charitable Donations
Free Warranty Cover
Refund Protection
Roadside Assistance
Home Emergency Cover
Emergency Funds
Emergency Card Replacement


Minimum Monthly Repayment: higher payment
Interest Free Period (transactions): 56 days
Interest Free Period (cash withdrawals): 0 days
Annual Interest Rate for Purchases: 20.95 % AER

Additional Charges

Late Payment Fee: £ 12
Inactivity Fee: None
Over Limit Fee: £ 12
Returned Payment Charge: £ 12
Copy Statement Charge: £ 5
Copy Voucher Charge: £ 0


Additional Information: nectar card required
This Credit Card Is Provided By: Sainsbury's Bank plc
All Qualifying Applicants Offered Advertised Rate: No. Actual rates range from 20.9 % to 28.9 %

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* Cashback on a spending scenario of £500 per month