Sainsbury's Nectar Credit Card

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

The Sainsbury's Nectar Card is a solid option if you're trying to earn up to a 1.5% return on spending with Sainsbury's, Argos, Habitat, and Tu Clothing. The plus to this card is that it has no annual fee whereas the American Express Nectar Credit Card does.

But it's also worth noting that the American Express Nectar Credit Card has a higher earning rate overall and earns 1.5% on all Nectar Partners instead of just a select few.

Card Details At-A-Glance

Issued By
Annual Fee
Foreign Transaction Fee

Sainsbury's Nectar Credit Card earning rates

2X Sainsbury's

The Sainsbury's Nectar Credit Card earns 2 Nectar points for every £1 spent at Sainsbury's in the UK.

2X Argos

The Sainsbury's Nectar Credit Card earns 2 Nectar points for every £1 spent at Argos in the UK.

2X Habitat

The Sainsbury's Nectar Credit Card earns 2 Nectar points for every £1 spent at Habitat in the UK.

2X Tu Clothing

The Sainsbury's Nectar Credit Card earns 2 Nectar points for every £1 spent at Tu Clothing in the UK.

1X/£5 Everywhere Else

All other purchases with the Sainsbury's Nectar Credit Card will earn 1 Nectar point for every £5 spent.

+Up To 1X Nectar Card

You can collect additional points from Nectar partners, including up to 1 point per £1 in Sainsbury's, Argos, Habitat and Tu Clothing, by scanning your Nectar app or using your Nectar card at the time of the transaction.

Sainsbury's Nectar Credit Card benefits

The Sainsbury's Nectar Card does not feature any perks or benefits that are specific to the card itself. It's mainly for earning points spending wherever Mastercard is accepted and using those points towards purchases with Nectar partners.

Sainsbury's 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.


Sainsbury's Nectar points calculator

Input your monthly and yearly spend amounts into the Sainsbury's 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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