Sainsbury's Bank credit card review
What do Sainsbury's Bank credit cards offer?
Sainsbury's Bank currently offers three credit cards, including a 0% balance transfer deal and an everyday spending credit card.
You can also earn Nectar points with any Sainsbury's Bank credit card. You'll get up to three Nectar points for every £2 spent at Argos, Habitat, Sainsbury's and Tu Clothing when you pay with the card and scan your Nectar card or app. You'll get one point per £5 spent elsewhere.
How does Sainsbury's Bank compare with other providers?
Sainsbury's Bank got an excellent customer score of 75% in our latest credit card provider satisfaction survey, placing it joint-4th out of 31 providers, along with Santander and Virgin Money.
While Sainsbury's Bank had a decent customer score, its range of deals didn't meet the benchmarks in our product analysis to make it a Which? Recommended Provider.
- Find out more: visit our best credit card providers guide to read the full survey results and compare Sainsbury's Bank's score with other companies.
Is Sainsbury's Bank a good credit card provider?
Our survey also revealed how Sainsbury's Bank customers rated it across five categories:
| Customer satisfaction category | Sainsbury's Bank star rating |
|---|---|
| Customer service | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Ability to manage account online or via a mobile app |
Table notes: star ratings are out of five and show the level of satisfaction for each category. We carry out this survey annually and update our review pages accordingly. Jump to the section on how we review Sainsbury's Bank to find out more about our research.
Your Sainsbury's Bank credit card questions answered
Grace, our credit card expert, answers the top questions people have about Sainsbury's Bank credit cards.
Does Sainsbury's Bank offer an eligibility check?
Yes, Sainsbury's Bank offers a 'soft search' facility to help you work out if you qualify for its deals before you apply, without damaging your credit score.
Where are Sainsbury's Bank credit cards accepted?
Sainsbury's Bank issues its credit cards on the Mastercard network, so you'll be able to use the card in millions of places in the UK and abroad.
How do you link Nectar to a Sainsbury’s Bank credit card?
You can either log into your Sainsbury's Bank Credit Card app and tap 'Your linked Nectar account' to link your card or get in touch with Sainsbury’s Bank and it will do it for you.
Can you earn Nectar points with a Sainsbury's credit card?
Yes, apart from special introductory offers, you can collect three points for every £2 spent in Argos, Habitat, Sainsbury’s and Tu clothing when you pay with the card and scan your Nectar card or app. And you’ll collect one point per £5 elsewhere. Points can be spent at participating retailers.
How we review Sainsbury's Bank
Here's more information about our research and the terms we use in this review.
Customer score
Our customer scores for credit card companies are based on an online survey of 3,775 members of the public conducted in October 2023.
The score is calculated using a combination of overall satisfaction with the brand and the likelihood of recommending the provider to a friend.
Star ratings
We also ask credit card customers to rate brands on five categories including customer service, application process, clarity of statement, transparency of charges and ability to manage the account online or via a mobile app — so you can get an idea of the quality of service you might receive before you sign up.
Star ratings for each category are calculated independently of each other and the provider customer score.
Providers must receive a minimum sample size of 40 respondents to be included in our customer satisfaction tables.
Which? Recommended Providers
To be a Which? Recommended Provider for credit cards a credit card company must:
- Have a provider customer score of at least 75%
- Have at least one top-10 card in one of the seven main categories available on the market
- Have a product score that's average or above
- Not have a representative APR of more than 33% on any of its mainstream cards at the time of the analysis.
We only award Which? Recommended Providers to the lenders that meet our benchmarks on customer service and product offering.
- Find out more: Which? symbols, logos and ratings explained.
Why should you trust Which? research?
We’re not influenced by third parties. We work entirely on behalf of you, the consumer and nobody else. See our statement of editorial independence for more.
Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.