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The explanation of the benefits offered on the card.
The Sainsbury's Nectar Credit Card earns 3x points at Sainsbury's, Argos, and Tu Clothing. Review benefits, calculate Nectar Points, and compare top cards.
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.
Quick Details
Issuing Bank
Card Network
Rewards Earned
Annual Fee
Authorized User Fee
Non-Sterling Transaction Fee
Rewards Rate Details
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.
Rewards Calculator
You can use the 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 the value of the rewards earned and how much each benefit is worth to you, minus the annual fees. You can click the Compare A Card button to compare this card side by side any other card featured on the site within the same calculator.
Note! All category spend entered in the primary card's column (first column when comparing cards) will carry over to all credit card calculators on the site. This means you will not have to re-enter the same information again and again when browsing during the session.
Rewards Calculator
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.
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FEE Annual Fee
The annual fee of the selected credit card.
AU Auth Fee
The cost to add supplementary cards to the account.
£0
SUB Sign Up Bonus
If the card has a sign up bonus, you can enter it here. If you're unsure of the bonus, you can click the Learn More link by the card image to be taken to the issuer's website (in a new tab).
EV Extra Cash Value
Enter any additional cash value you want to give the card such as the value of unaccounted for perks and benefits.
£
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Currency Worth
The value of the rewards associated with the selected credit card(s). You can click the currency to edit the value or change it to reflect transfer partners.
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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
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Currency Worth
The currency the card earns and any other currencies on this side of the calculator. If the currency can be transferred to other programs, you can use 'View Rewards As...' to reflect as if you transferred it to a partner.
Loyalty & Memberships
Hotel elite status, loyalty program status, and memberships. These are typically calculated based on a selection though some are calculated automatically. Most cards will not have anything in this section.
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Category Spending
Click on a category to enter how much you plan on spending. You can add or remove categories, change the order of the categories, or view additional options.
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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.
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Reward Bonuses
Any extra bonuses to do with a specific card will be listed here. You can edit/add the Sign Up Bonuses (SUB) under the Credit Card section.
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Subtotal
This is the sum of all rewards earned from Category Spending and Reward Bonuses along with the cash value of it all based on Currency Worth.
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Monetary Bonuses
This is the total of all cash bonuses associated with the card(s). You can change the value of those that feature the symbol. Other bonuses are automatic. If there's extra value (EV) you want to add to the card, you can click on the card under the Credit Card section. You can also click on to get details on the listed bonuses.
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Annual Fees
This is the sum of annual fees and authorized user fees associated with the credit card(s). You can edit the annual fee as well as change the number of authorized users by clicking on the card under the Credit Card section at the top of this calculator.
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Grand Total
The estimated cash value of the card(s). This is the sum of the Subtotal and Monetary Bonuses minus Annual Fees. The return is based on estimated cash value divided by total credit card spend.
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Value:
Return:
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Value:
Return:
Credit Card Comparison Tool
If you want to calculate rewards based on groups of credit cards side-by-side, you can use the Credit Card Comparison Tool. Mix and match credit cards from the same program or different programs to find out the best combination of cards for you.
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