Sainsbury’s Balance Transfer Credit Card 0% APR for up to 34 Months, No Annual Fee and Nectar Points
Free up cash and earn Nectar points with up to 34 months at 0% APR on balance transfers and no annual fee
Who this card suits
The Sainsbury’s Balance Transfer Credit Card is aimed at UK shoppers who want to clear existing card debt without paying interest for a long stretch. If you regularly buy at Sainsbury’s, Argos or Tu and want to collect Nectar points while tackling balances, this card blends rewards and debt management.
It’s particularly useful for those looking to consolidate a balance into a single interest-free repayment plan; the card offers up to 34 months 0% APR on balance transfers. Bear in mind eligibility criteria and that some applicants may be offered a shorter introductory term.
Key features and fees
Principal benefits include up to 34 months at 0% APR on balance transfers and three months 0% on purchases, with no annual fee. The representative APR is 21.9% after the intro period, so plan repayments to avoid reverting to the standard rate.
There’s a balance transfer fee that typically ranges from 2.88% to 3.88% and a money transfer fee of 4% (minimum £4), so always calculate the fee versus the interest you’d otherwise pay. You also earn Nectar points—usually up to 3 points per £1 in Sainsbury’s, Argos and Tu, and 1 point per £5 elsewhere.
How to apply and manage your account
Use Sainsbury’s online eligibility checker before applying; it won’t affect your credit score and gives a good indication of acceptance odds. The application process is straightforward online and you can link the card to Sainsbury’s Bank online banking for quick management.
Once approved, set up direct debits and view statements online to keep track of the interest-free term and repayments. Missing payments risks losing the 0% deal and triggering the representative APR, so set reminders or mandate payments to avoid surprises.
Top tips to maximise Nectar points and avoid interest
To make the most of the Sainsbury’s Balance Transfer Credit Card, prioritise paying off the transferred balance before the 0% period ends and use the card for Sainsbury’s shopping to rack up Nectar points. Redeem points regularly for groceries or fuel to see immediate value from your spending.
Compare balance transfer fees against potential interest savings—sometimes a slightly higher fee is worth a much longer 0% period. Finally, review alternatives in the UK market if you’re self-employed or need a different mix of perks; a quick balance transfer comparison can uncover a better fit for your finances.