American Express Nectar Credit Card

Benefits & Nectar Points Calculator
Review the benefits of the American Express Nectar Credit Card, calculate how many Nectar points you can earn, and compare alongside top cards.
Last Updated 2022-06-29

If you're looking to earn the highest amount of Nectar points on your purchases, the American Express Nectar Credit Card is the best option. It earns 2 points per £1 spent on the card which gives you a minimum of 3 points per £1 when spending with Nectar partners and using the Nectar loyalty card.

Unlike the no-annual fee Sainsbury's Nectar Credit Card, the card will cost you £25 annually beginning the second year of Cardmembership, but the higher earning rate can make up for it if you frequently use the card.

Card Details At-A-Glance

Issued By
Annual Fee
Foreign Transaction Fee

Nectar Credit Card earning rates

3X Nectar Partners

You will collect a minimum of 3 Nectar Points per full pound spent with Nectar Partners using the Nectar American Express Card. It is possible to earn a higher multiplier during promotions.

2X Everywhere Else

You will collect a total of 2 Nectar Points per full pound spent everywhere else the Nectar American Express Card is used with the one exception of warehouse retailers.

Purchases made at warehouse retailers (such as Costco) will earn you 1 Nectar Point per full pound spent.

Nectar Credit Card benefits

American Express Benefits

The Nectar American Express Card features a handful of standard AMEX benefits such as:

  • AMEX Offers
  • American Express Experiences
  • Global Assist
  • Purchase Protection
  • Refund Protection
  • Fraud Guarantee

Nectar Credit Card points value

Every 500 Nectar Points you redeem are worth £2.50 in cash value. This gives Nectar Points a value of £0.005 per point.

Nectar points Value in pounds
1 Point £0.01
100 Points £0.50
200 Points £1
500 Points £2.50
1,000 Points £5
2,000 Points £10
5,000 Points £25

Nectar Credit Card points transfer

Nectar points can be transfered to British Airways Avios. You can convert 400 Nectar Points into 250 Avios or convert 250 Avios into 400 Nectar Points.

Use the Nectar Points Transfer Calculator to see how many Avios you can earn transferring your points to British Airways Executive Club.


Nectar points calculator

Input your monthly and yearly spend amounts into the Nectar Credit Card point calculator to see how much you can earn. Compare the results side by side up to 2 credit cards to find out which cards are best for you.

Any spend entered into the primary card column (the first column) will carry over to all credit card calculators on the site, so there's no need to re-enter spend when viewing other credit cards.

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