Sainsbury's Nectar Card Calculator

Card Details & Nectar Points Calculator
3x Sainsbury's
3x Argos
3x Tu Clothing
1x/£5 Non-Category
Purchase Protection

Nectar Points Calculator for the Sainsbury's Nectar Rewards Mastercard. Calculate total points and cash value based on spend, benefits, and fees.

The Sainsbury's Nectar Card is a solid option if you're trying to earn a 1.5% return on spending with Sainsbury's, Argos, and Tu Clothing. The plus to this card is that it has no annual fee whereas the Nectar AMEX Card does. But it's also worth noting that the Nectar AMEX has a higher earning rate across non-category and earns 1.5% on all Nectar Partners instead of just a select few.

Bonus Categories

The Sainsbury's Nectar Card features three bonus categories which are Sainsbury's, Argos, and Tu Clothing. There's no limit to the amount of bonus points you can earn spending with these three retailers and no limit to the amount of points you can earn with the card overall.

  • 3x Sainsbury's
  • 3x Argos
  • 3x Tu Clothing
  • 1x Non-Category

Perks & Benefits

The Sainsbury's Nectar Card comes with purchase protection. Outside of that, there's no additional benefits that are specific to the card itself.

Sign Up Bonus (SUB)

The Sainsbury's Nectar Rewards Credit Card has a sign up bonus of 10,000 bonus points when you use your card to spend a total of £400 or more at Sainsbury's, Argos or Tu Clothing during the 2 months after your account is opened. At a value of 0.5p per Nectar Point, you're looking at a cash value of £50.

Sainsbury's also has several other versions of the Nectar Rewards Credit Card that focuses on balance transfers, low interest, or both. This includes the following cards:

  • Nectar Rewards Balance Transfer Credit Card
  • Nectar Rewards Low Fee Credit Card
  • Nectar Rewards Dual Offer Credit Card
  • Nectar Rewards No Fee Balance Transfer Credit Card

For these four cards, the standard sign up bonus is 750 bonus points each time you spend £35 or more on Sainsbury's with your card, up to ten times in your first 2 months. With this bonus you can earn up to 7,500 points. This has a cash value of £37.50.


Annual Fee

The Sainsbury's Nectar Card does not have an annual fee. This allows you to earn a flat 1.5% return spending Sainsbury's and partners.

Authorized User Fee

There is no listed fee to add additional users to the Sainsbury's Nectar Card.

Foreign Transaction Fee

The Sainsbury's Nectar Rewards Card has a 2.75% non-sterling transaction fee.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any other rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Edit Card Options
Compare A Card
Family Cards
These cards are part of the same family.
Similar Cards
These are similar cards based on earning structure and other benefits (that aren't part of the same family).
Search Cards
Search for credit cards by name, rewards program, or rewards currency.
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Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value, +/- Categories to add and remove categories from the list, and Options to copy spend between columns and clear all spend.
Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
Type at least 3 characters.
Currently Selected:
Add Categories On Card Change
When you add/change a credit card comparision, the categories missing from the newly added card will be added to the list of categories. Toggle this off to prevent such from happening.
Clear Spend/Mobile
Clear All Spend will clear the spend in all categories in both columns and all saved values (cookies). Clear Mobile will remove the mobile pay option from all categories in both columns.
Copy Spend
Copies all spend amounts and their units of time from one column to the other. Does not copy mobilepay indicator.
Total Earnings
The sum of all spend and bonuses above this line and the cash value of it all.
From Spending
From Bonuses
From Loyalty
Cash Value
Cash value of total earnings based on currency worth.


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Monetary Bonuses & Fees
Cash bonuses, annual fees, authorized user fees, and any other listed fees.
Monetary Bonuses
Annual Fee
Auth User Fee
Cash Bonuses
Annual Fee
Auth User Fee
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card based on spend, benefits, and fees.
Total Return
The percent you are earning based on spend, earnings, and fees.

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