Sainsbury’s Purchase Credit Card

Sainsbury’s Purchase Credit Card

The most rewarding grocery card for loyal, in-store shopping

Good for

  • Paying no interest on purchases for 31 months
  • Earning 1% on Sainsbury's shopping and fuel

Bad for

  • Those looking to earn higher rewards on out-of-store spending

Editor's Rating

4.5/5.0

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.

The Sainsbury’s Purchase Credit Card is a rewards and purchases credit card for Sainsbury’s shoppers who collect Nectar points, delivering 1% extra on Sainsbury’s shopping and fuel. Rewards rates on other general spending are around 0.1%. The card offers a longer-than-average 27-month 0% interest rate on purchases.

Sainsbury’s Purchase Credit Card Review

The Sainsbury’s Purchase credit card rewards Sainsbury's shoppers on their in-store grocery and fuel shopping. Rewards are distributed in the form of Nectar points, earning 1% on Sainsbury’s shopping and 0.1% elsewhere. There is no annual fee to hold this card. The Sainsbury’s Purchase credit card can also be used for a large upcoming purchase, as it offers no interest on purchases for 27 months.

Both the Sainsbury's Purchase Card and the Nectar Credit Card by American Express rewards cardholders with Nectar points for their spending. Below are the estimated rewards rates and other important details of these cards.

Nectar-Earning Credit CardsGrocery Reward RateGeneral Spending Reward RateAnnual FeeType of Card
Nectar Credit Card1%1%£25American Express
Sainsbury's Purchase Card1% (in store)0.1%£0MasterCard

While the Sainsbury’s Purchase card does offer balance transfer functionality, the 3% fee to transfer your balance for a 3-month promotional period is higher than average.

Bottom Line: The Sainsbury's Purchase Credit Card is a way for cardholders to earn Nectar points on their spending, primarily on their Sainsbury's spending. The 27-month purchases promotion means no interest on new spending for 31 months, provided you pay at least the minimum monthly payment on time and stay within the credit limit.

Sainsbury's Purchase Credit Card Benefits & Features

Sainsbury's Purchase Credit Card Features
Earning Nectar Points
  • Earn 2 Nectar points for every £1 spent (£1 minimum) at Sainsbury’s
  • Earn 1 Nectar point for every £5 spent (£5 minimum) outside Sainsbury’s
Welcome BonusNew cardholders can earn 1,000 bonus points every time they spend £40 or more on Sainsbury's shopping with this credit card and able to do this up to ten times in the first two months, earning up to 10,000 points
0% on PurchasesFor 31 months
0% on Balance TransfersFor 3 months (3% fee, £3 min)
Annual Fee£0
APR (variable)18.9% on purchases

How do Nectar Points Work?

Nectar Points can be earned by shopping at nearly 50 participating retailers, such as Sainsbury’s, Pizza Express, BP, British Gas, Argos, and others. For a complete list see the Nectar website. Nectar points can also be earned by using the Sainsbury’s credit cards. Nectar points are usually worth £0.005, but you may find even more value through Double Up vouchers or other offers from Nectar.

Nectar points are earned on the Sainsbury’s Purchase card at a rate of 2 Nectar points/£1 at Sainsbury’s and 1 Nectar point/£5 spent elsewhere. Doing the math, given a Nectar point’s £0.005 value, you earn 1% on Sainsbury’s shopping and 0.1% elsewhere.

Nectar points can be redeemed:

  • in store by swiping your Nectar card at the till, with retailers such as Sainsbury’s, Argos, and BP
  • online with evouchers via the Nectar online store, with retailers such as Eurostar, PizzaExpress, and Hertz (for a more complete list, see Nectar’s official list.

Please note that you must have shopped and earned Nectar points at a particular Sainsbury’s store before you can redeem any Nectar points there. This seemingly minor condition can really catch people out. Imagine the case where you normally shop at your local Sainsbury’s but – come time to redeem your accumulated Nectar points – you drive to a larger Sainsbury’s store that has Homeware and Toys sections. When you get to the till, you may find that your Nectar points are not working if you haven’t used your Nectar card at that store in the past 12 months. Be sure you’ve shopped at a particular Sainsbury’s store before (in past 12 months) if you want to redeem Nectar points there.

Also, be aware that Nectar points do not expire, but if you don’t earn or redeem any Nectar points in a rolling 12 month period, then your Nectar account may be closed and all Nectar points lost.

How does the Sainsbury's Purchase Credit Card Compare to Other Credit Cards?

To better understand the value of the Sainsbury's Purchase card you need to compare it to other available options. We compared this card to other rewards cards so you can see which is better suited to your shopping habits.

Sainsbury's Purchase Card vs. Tesco Purchases Card

The Tesco Purchases card delivers quite paltry rewards of 0.25% extra on Tesco shopping and 0.125% on other purchases, making it pretty easy to beat. If you are a diehard Tesco shopper though, you will earn some rewards using the Tesco card. Individuals happy to actively manage their account can extract more value by finding Clubcard Boost deals. The Tesco Purchases card gives cardholders 28 months of 0% interest on purchases, useful if you can't pay off new purchases right away.

Quick Takeaway: Those happy to shop at either Tesco or Sainsbury’s will probably earn higher rewards by shopping at Sainsbury's using the Sainsbury’s Purchase card.

Sainsbury’s Purchase Credit Card vs. Asda Cashback Plus Card

The Asda Cashback Plus card is arguably one of the best grocery rewards credit cards, earning 2% on Asda purchases. You'll only earn 0.2% on other spending, making it less valuable for other everyday purchases. The main disadvantage to the Asda credit cards is that rewards are distributed in the form of Asda vouchers, which may not suit everybody.

Quick Takeaway: If you are indifferent between shopping at Asda and Sainsbury's, we recommend shopping at Asda using the Asda Cashback Plus card. Otherwise, stick to your preferred store.

Sainsbury’s Purchase Credit Card vs. Platinum Cashback Everyday Card by American Express

The Platinum Cashback Everyday card by Amex is one of our favourite rewards cards. Cardholders earn solid ongoing rewards between 0.5% and 1% on all spending and benefit from easy redemption of their rewards, in the form of statement credits that appear automatically every year. One drawback is that rewards are distributed at the end of every year you hold the card.

Quick Takeaway: The Platinum Cashback Everyday is a better all-around rewards card for your general spending. If you're looking for a rewards card specifically to save on your grocery spending, the Sainsbury's card may provide more value. It all depends on your specific needs.

Sainsbury’s Purchase Credit Card vs. Nectar Credit Card by American Express

The Nectar Credit Card by American Express is a solid everyday rewards card. Cardholders will earn 1% of extra rewards by using the card, not just at Nectar partners but on all general spending. A 20,000 Nectar point welcome bonus makes the Nectar Credit Card particularly appealing in the first year. This bonus is worth £100 to spend at Nectar partners. American Express does require no history of bad debt so only those with a strong credit rating should consider this card.

Quick Takeaway: Those with a healthy credit score and happy to have an American Express card will get more value from the Nectar Credit Card, especially if you plan to use the card on general purchases. One stand-out feature of the Sainsbury's Purchases card, though, is 31 months of no interest on new purchases, which may be invaluable to some.

Comments and Questions

The guidance on this site is based on our own analysis and is meant to help you identify options and narrow down your choices. We do not advise or tell you which product to buy; undertake your own due diligence before entering into any agreement. Read our full disclosure here.