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Sainsburys Bank: Nectar Credit Card reviews

Name: Nectar Credit Card
Rating: 2.95 (97 reviews)

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2.85

Based on 97 reviews, last reviewed 24th Jan 2026

100% increase in 5 star reviews

in the past 90 days

No new 1 star reviews

in the past 90 days

26%

24%

36%

Latest highest rating:

5

It has always been very good with fast responses but... It has always been very good with fast responses and positive answers. A shame that it was 'sold' to NatWest but we shall see how they do going forwar... Read more Reviewed on: 24th January 2026

Latest lowest rating:

1

£5000 spend not at Sainsburys you get £5 in nectar p... £5000 spend not at Sainsburys you get £5 in nectar points. Pointless Reviewed on: 29th March 2025

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About this product

Sainsburys Bank Nectar Credit Card reviews can help you to find out about the pros and cons of the Sainsbury's Nectar credit card. What kind of features do Sainsburys Bank customers like? Find out more about the Sainsburys Bank Sainsbury's Nectar Credit Card by reading our trusted Smart Money People reviews. You can also write your own Sainsburys Bank Sainsbury's Nectar Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

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Sainsburys Bank Nectar Credit Card reviews (97)

Customer service lacking

Hard to get a hold of them but if you’re lucky enough not to need them then their credit cards have good offers. Reviewed on: 1st February 2023

very bad customer service

Last two month continue talk to sainsburry customer department and they everybody reply differently. still my credit card not start. i dont want to use credit card Reviewed on: 8th December 2022

Useless

Useless Uncaring, unhelpful, untrained, unprofessional. The worst customer experience ever. Avoid avoid avoid! Promises of call back on Monday. Nothing so far and it’s Thursday. Very much ‘computer says no’ attitude. Clearly no training as everyone says something different. Moved through 4 different departments in one call! No idea what they are doing. Complete joke of a company. Stay well away. Reviewed on: 24th November 2022

Disgraceful policy change

Almost pointless now using this credit card, with nectar points being reduced to 1 per £2 spent at Sainsbury's. Absolutely shamefully disgusting during a cost-of-living crisis. Sheisters!! They say they're focusing on "great value" in their supermarkets - bol****s! They haven't even bothered extending their value range. DON'T BOTHER! Reviewed on: 15th November 2022

Worst experience ever

Absolute nightmare from the start - no email or letter to confirm application was received, several weeks later I found out they need more information, when I called to give them this they didn't have anyone who could talk to me (loan team person who finally answered said they couldn't talk about credit card applications) they arranged a call back - the call back never happened so I called back a week later. Once again there was a long wait, a person who said they couldn't help and would arrange a call back, I explained the last one had not happened I would prefer to wait. Finally someone was found, I spoke to them was able to give the missing information and was told things would progress. I waited another week with no communication so called again, to be told my application had beed approved and the letter would be in the post. I waited another week, no post and I called to say nothing had arrived, they were surprised and said it should have come out - they would look at it and potentially get it re-issued. A week latter on a Saturday a credit agreement arrived. It was signed and put in the post that weekend, I guess taken in the early monday collection from the post box. The following monday I got an email to say my application had lapsed and I would need to start again - more than 8 weeks from the start of the process I was no further forward and had an extra credit check on my record which impacted my credit score. People on the phone were mostly undertrained and poorly informed, when I called to find out if they really had cancelled my application at first the person thought they hadn't hadn't and then later in the call confirmed they had. When I asked to understand the timelines for when the lapse would have started from they did not have any of the dates available, I was told my application was some time in September and they couldn't tell me when the credit agreement had been issued or when I had been approved. I could not believe that the person who was there to support didn't even have basic information about the application. Just terrible experience Reviewed on: 7th November 2022

scam

Even if you pay it off every month, They still charge interest. They say you had a couple of pound outstanding and its because their app is purposefully slow at updating so you think you have paid it all when you have not. Scammers. Reviewed on: 31st October 2022

Worst credit card in existence!!

They rely on you wanting Nectar points and ignoring their dreadful customer to non-existent customer service, their systems that arbitrarily decline transactions to cause maximum embarrassment and inconvenience, and answer the phones only after an hour wait! Do yourself a favour and avoid at all costs!!!! Reviewed on: 29th October 2022

Not worth it anymore

Used to get 2 nectar points for each pond spent on Sainsbury's credit card .From November it is reduced to 1 point per £2 spend ..Better off looking elsewhere for a reward credit card Reviewed on: 7th September 2022

What a Sham

Never dealing with Sainsbury's again. Not surprized their rating is so low. They like many other companies nowadays have no regard for their customers. Just move onto the next. Their service is so dreadful at some point they will have no new customers to move onto. Reviewed on: 25th July 2022

Good terms and credit

Offer lengthy 0% finance terms and you can earn nectar points on most purchases. Triple points in some places. Reviewed on: 20th July 2022

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