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Sainsburys Bank: Nectar Credit Card reviews

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

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2.82

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)

Good

Sainsburys are a good bank and the credit card is fine. The website works well and easy to navigate. Unfortunately you can only pay the credit card via phone or bacs which is less than ideal. I think they should set up that facility. Reviewed on: 27th April 2020

It shouldn't take five months...

… to fix the OnLine "Make a Payment" screen. Reviewed on: 23rd November 2019

Hassle free!

Never had a problem with them, I'm constantly getting an additional limit and I love knowing that I'm earning Nectar points as well. Reviewed on: 9th June 2019

I always always recommend Sainsburys for best Apr offere

Saunsburys customer service is always excellent and they were the only company who offered a payment holiday when I needed a payment break when changing jobs. Such lovely staff who are always helpful. Reviewed on: 4th June 2019

Great Card - poor admin

0% Interest for 30 months plus a high limit is really useful; the best I found. But their website is terrible, sadly. Hard work viewing transactions, and I've found statement reminders are a bit hit or miss, plus the statements themselves aren't often published on time. Could do with a massive overhaul, and/or an app. Reviewed on: 15th April 2019

Incompetent bank

They make it very difficult to use their online banking service - when it comes to trying to get your money out. Several unnecessary validations are needed that mean your instant access account is not really instant access it's a month's notice account. Very dodgy bunch. Stay well clear to avoid stress. Reviewed on: 12th November 2018

Appalling

Blocked my card for no reason. Terrible customer service and very rude Reviewed on: 30th October 2018

Have stopped getting Nectar points fro my spending

Have had a SB Nectar card for several years and got a monthly credit of points for usage of the card. In July they changed the design of the statements and I stopped being credited with my points. The points reconciliation was missing from the July & August statements and then reappeared in September but did not make much sense. I called them, had to wait a long time to get through to a person and then was told there was a problem which they were sorting out. A month later and I am now missing 4 months worth of points. Very poor service from a reputable company like Sainsburys. Reviewed on: 22nd October 2018

Terrible customer service

Terrible customer service Still waiting for a response to a written complaint made in July. They sent me a reference number but nothing since despite two email reminders and three messages left via on line banking. Sainsbury obviously care nothing about their customers. Time to change banks I think. Reviewed on: 10th October 2018

Incompetent

Unbelievable incompetence and couldn't give a damn attitude. A mistake by them took months to sort out, eventually the mistake was found by a RIVAL bank. Telephone contact often took between 30 minutes and 1 hour. Not even an apology from them. I've just cancelled this card and will never use this bunch again. Time after time they said there was nothing wrong with their transactions, for weeks and weeks, yet they had transposed one digit and sent £2,900 to a random account. Reviewed on: 2nd September 2018

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