Level 2, 20 St Thomas St, Earn 3 Nectar points per £1 spent in Sainsbury's and Argos. 0.25% after £1 of monthly spend. Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. Rewards can be converted into money and transferred to a current account, exchanged for gift cards or tickets with some retailers doubling their value or converted into money and donated to one of the RBS Group chosen charities. Credit cards can be a great benefit to you if used correctly. Who provides the best balance transfer cards? If you close your chosen account, you’d need to choose another one to ensure you continue to receive any cashback. New Cardmember offer: Earn 5,000 bonus Avios when you spend £1,000 in your first 3 months of Cardmembership. finder.com is an independent comparison platform and information service 13 September 2018 at 2:43PM. In the case of some credit card providers, the issue of being a customer for a short period is not necessarily an issue, but you will likely not be eligible for any introductory offers. Credit cards for those with bad credit. New Cardmember offer: Earn 20,000 Membership Rewards® points when you spend £3,000 in your first three months of Cardmembership. There are some exculsions: You can’t use your Argos Card to shop online at Sainsburys.co.uk or when using the Sainsbury's app. The Sainsbury's Bank Nectar Reward Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories. 40,000 Anniversary Points Boost - qualifying spend £12K in 12 months from account opening. often incur steep fees and/or higher rates of interest. Reward Black Current Account holders: £0 per annum, your representative rate is 37.1% APR (variable). Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a., your representative rate is 22.2% APR (variable). This little-known scheme's taken on much more importance this year as the coronavirus crisis has led to a spate of travel cancellations, with many people asking if Section 75 could help. Data Protection ICO registration number: The interest rate on this part of your balance will be 25.95%, which is 24% more than the standard purchases rate (chargeable from the day of the transaction – the card's usual "up to 56 days interest-free" grace period won't apply). unsure you should get independent advice before you apply for any 3279730) is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Register no. authorised and regulated by the Financial Conduct Authority (firm (3) Sainsbury’s Bank’s analysis of its credit card data found that customers purchasing annual tickets from South West Rail paid the most at £3,780 each, followed by South East Trains at £3,662. With lesser known brands and famous retailers, it can be even more confusing. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK and 2 IHG Rewards Club points for every £1 spent abroad. Hello, If you are reading this before applying for a Sainsbury's Bank Credit Card, do yourself a favour and find an alternative to avoid entering into a whole world of pain. A selection of rewards from a range of partners. Many banks and their various products, such as credit cards and current accounts, come under the umbrella over a wider banking group. Credit cards can offer you protection on your purchases with Section 75, Improve your credit score, by making regular monthly payments and not missing any, Manage your spend by paying for expensive items when needed, to be able to balance your spending, especially if you have a 0% interest rate, Many credit cards offer great rewards, meaning anytime you use them you are likely to reap the rewards, Outside of any introductory rates, interests rates can be very high, Can lead to debt, if not used correctly and minimum payments aren't made, Too many credit card applications can hurt your credit score, What are the Differences Between Visa and Mastercard? Earn up to 10 points for every £1 spent at selected retailers and 1 point for every £5 spent elsewhere. with a fee of £195 per annum, your representative rate is 74.7% APR (variable). with a fee of £160 per annum, your representative rate is 63.9% APR (variable). Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable). Maximum spend for cashback purposes is limited to credit limit. Cashback paid On request into Card Account. Non-sterling transactions are subject to a 2.75% charge. Cashback paid Monthly into Card Account. Offering an award-winning blend of financial products and attractive rewards to Sainsbury's shoppers. Each month you must pay at least 2.25% of your balance at that point or £5.00 – whichever of the two figures is greater. Must have available credit to collect Clubcard points. Maximum of £15 cashback paid per month. You can look at the cards with the longest 0% period, no upfront fee, or flexibility with long 0% periods for purchases and balance transfers. This little-known scheme's taken on much more importance this year as the coronavirus crisis has led to a spate of travel cancellations, with many people asking if Section 75 could help. ^ If you only make the Minimum Payment each month, it will take longer and cost more to repay your balance. Whenever your Amazon reward points reach 1,000 a £10 Amazon.co.uk Gift Card will be automatically linked to your Amazon.co.uk account. You can identify different credit card companies by the first numbers on the credit card. Sainsburys increased the length of the 0% period on its Nectar Balance Transfer Credit Card to 33 months from its previous best deal of 31 months. decisions. Services. Chase Freedom Unlimited This doesn't necessarily impact you, but it might be worth knowing in the event that you want to switch your credit card. So if you had, say, £200.00 outstanding, you'd pay £5.00, and if you had £888.89 outstanding, you'd pay £20.00. 1. Unless we've said otherwise, products are in no particular order. accurate but you should confirm any information with the product or 03612689) The Cooperage, 5 Copper Row, London, SE1 2LH. You’ll need your Sainsbury's Bank credit card number before you can request to transfer a balance to your current account. 1% after £5001 of yearly spend. 0.5% on £1 to £5000 of yearly spend. our site. Paying only the minimum required amount each month is generally not advisable as it makes it much harder to get debt-free before that introductory 0% period expires. If you already have debt, you may feel like a credit card isn’t an option. Representative example: When you spend £1,200 at a purchase rate of 17.1% (variable) p.a. our partners for featured placement of their products or services. Tandem credit cards have been an important part of the company since the Cashback Card launched in January 2018, the Journey Card came later that year in October and Tandem Membership launched in March 2020. Great news! Representative example: When you spend £1,200 at a purchase rate of 22.2% (variable) p.a. The cards with the best offers are only available to existing Sainsbury’s customers who have had a Nectar account open for at least six months, but other varieties are available to anyone. There are some transactions where the company that deals with your credit card payment is not the same as the one that provides the goods or service - such as Paypal. ... Credit Card Eligibility. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. For example, if you spend 200 euros (£180.02), it'll cost you around £4.95. Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. 0800 636 262. 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