Longest 31 month credit card with 0% apr from sainsburys. Ends on Sunday! Credit card terms getting shorter all the time. Use for a big purchase. Also £50 in nectar points.
726°Expired

Longest 31 month credit card with 0% apr from sainsburys. Ends on Sunday! Credit card terms getting shorter all the time. Use for a big purchase. Also £50 in nectar points.

76
Found 20th Mar
This Sainsbury's* card offers the longest 0% spending period, and if accepted you'll definitely get the full 31 months. You'll also earn Nectar points on all spending.

Plus, you'll get 1,000 bonus Nectar points worth £5 each time you spend £40+ in Sainsbury's in the first two months from receiving your card (max 10,000 points, worth £50). Doing a big shop? You can split it into smaller £40 chunks to max the bonus, getting 1,000 points on each transaction.

Need-to-knows
  • New customers applying by 25 Mar 2018 will get 1,000 bonus Nectar points worth £5 each time they spend £40+ in Sainsbury's in the first two months from receiving their card – but don't use this as an excuse to spend more than you normally would.
  • You can also shop online at Sainsbury's to trigger the points bonuses, but buying anything (incl fuel) at Sainsbury's petrol stations doesn't count.
  • You need to give your Nectar card number when you apply for the credit card.
  • The bonus points will be added to your Nectar account within two months of the end of the offer period.
  • You get two points per £1 spent on Sainsbury's shopping and fuel, and one point per £5 spent elsewhere.
  • Make sure you fully clear the card(s) by the end of the 31 months or you'll be charged 18.9% interest on any remaining balance. Poorer credit scorers may get 21.9% or 28.9%.
  • You'll either get the full 31-month deal or you'll get rejected, unlike some cards in this guide where you may be accepted for the card, but given a shorter period at 0%.
  • Always pay at least the minimum monthly repayment, or you'll lose the 0% deal.

From MSE but not exclusive
Community Updates
I have a Sainsbury’s Bank CC that I never use and I got an email this morning about this card. After looking into it; anyone can apply.

0% on purchases for 31 months if accepted.

Also up to £25 in Nectar Points as an added bonus.

Copied the following from the email...

“Up to 5,000 bonus Nectar points in your first two months.

Earn 500 bonus points each time you spend £20 or more on Sainsbury’s shopping with your credit card, up to ten times in your first 2 months, that’s 5,000 points.”

As an added bonus you get double the points for spends on food and fuel (2 points for every £1 spent) and 1 point for every £5 spent elsewhere.

Seems a brilliant offer for anyone looking a new card with a long length 0% on purchases.

As always this card won’t be for everyone and make sure you make any minimum repayments and stay within the credit limit to keep the promotional rate.

18.9% APR after the promotion finishes but by that stage it will be time to change provider again anyway for a better deal

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Top comments
mboard429 m ago

Bit miss leading title. So you have to spend £40 ten times to get 10,000 …Bit miss leading title. So you have to spend £40 ten times to get 10,000 pts. No thanks. 3% balance transfer fee. No thanks. I’d rather go for HSBC card here£25 cash back for making balance transfer 1.4 % balance transfer fee0% balance transfer for 32 months



Does anyone REALLY think that "miss leading" is the same as "misleading"? Honestly?
76 Comments
Use for a big purchase...

like an S9?
GETTING THIS DEAL TY
They dont have a mobile banking app. How can you not have an app in this day and age. Ridiculous
momo_mo7 m ago

They dont have a mobile banking app. How can you not have an app in this …They dont have a mobile banking app. How can you not have an app in this day and age. Ridiculous



its so irritating, got a loan with them, no way of checking balance/payments left without calling
Bit miss leading title.
So you have to spend £40 ten times to get 10,000 pts. No thanks.
3% balance transfer fee. No thanks.

I’d rather go for HSBC card here

£25 cash back for making balance transfer
1.4 % balance transfer fee
0% balance transfer for 32 months
Tempting! Good deal, thanks @Anon32
mboard429 m ago

Bit miss leading title. So you have to spend £40 ten times to get 10,000 …Bit miss leading title. So you have to spend £40 ten times to get 10,000 pts. No thanks. 3% balance transfer fee. No thanks. I’d rather go for HSBC card here£25 cash back for making balance transfer 1.4 % balance transfer fee0% balance transfer for 32 months



Does anyone REALLY think that "miss leading" is the same as "misleading"? Honestly?
encouraging consumers to buy buy buy
I know it’s subject to individual personal circumstances but has anyone got any experience of what Sainsbury’s are for like for their ‘credit card limits’? Just some providers start off with really low credit limits and others are more generous. Thanks OP. I’m thinking about applying for this before Sunday.
Or if not...which other providers are known for their more generous credit limits?
Does anyone REALLY think that "Fraudulous" is the same as "Fraudulent"? Honestly?
steve7655 h, 5 m ago

I know it’s subject to individual personal circumstances but has anyone g …I know it’s subject to individual personal circumstances but has anyone got any experience of what Sainsbury’s are for like for their ‘credit card limits’? Just some providers start off with really low credit limits and others are more generous. Thanks OP. I’m thinking about applying for this before Sunday.


I applied last week and got good amount of credit, not sure how much you are after but they offered me over 5k.
mboard4211 h, 55 m ago

Bit miss leading title. So you have to spend £40 ten times to get 10,000 …Bit miss leading title. So you have to spend £40 ten times to get 10,000 pts. No thanks. 3% balance transfer fee. No thanks. I’d rather go for HSBC card here£25 cash back for making balance transfer 1.4 % balance transfer fee0% balance transfer for 32 months



Ummm this is 0% on purchases for 31 months, maybe you miss read the title
afrosharpner6 m ago

I applied last week and got good amount of credit, not sure how much you …I applied last week and got good amount of credit, not sure how much you are after but they offered me over 5k.


Ok. Thanks. Did you ask for a certain amount £ of credit or just left it up to them to decide the amount?
I applied for one, I used the mse credit checker as I've never had a credit card, got accepted, took a while to come through though & they set my limit at 3.5k,but I'm guessing it was set at that limit as I've never had a credit card, so no spending habit on my credit report.
steve76510 h, 7 m ago

Ok. Thanks. Did you ask for a certain amount £ of credit or just left it …Ok. Thanks. Did you ask for a certain amount £ of credit or just left it up to them to decide the amount?


I left it up to them,
Does anybody know exactly when on Sunday the Sainsbury’s 31 month deal ends? And do you need to have been accepted or just applied before then? Thanks.
They’ve extended this deal. I tried to get it last week & despite having a good credit record 976+ score, £20k+ income,no defaults etc etc I was declined when j tried their eligibility calculator. Yes I know the credit score doesn’t count for anything really & they have ‘individual criteria’ which they are looking for & don’t divulge. How frustrating!. Has anyone else tried & been successful? Thanks.
Voted hot
sam_of_london2 m ago

Voted hot


Such a good deal for anyone after a new card for purchases!
Second time applying for a Sainsburys credit card in the last couple years. Second time I've had we'll be in touch in 5 working days. Just tell me now haha
the credit limit is £1200, does that mean this is max you can get?
Thanks in advance
Edited by: "Safe" 29th Mar
Safe5 m ago

the credit limit is £1200, does that mean this is max you can get?Thanks …the credit limit is £1200, does that mean this is max you can get?Thanks in advance


Strongly imagine it’s a £1200 initial but may be based on credit score etc, last time I had a Sainsbury’s card it was £1200 to begin but increased to £3000 6 months later.
Safe23 m ago

what is the credit limit?



Safe23 m ago

what is the credit limit?


It depends on your credit rating.

As an aside they were pushing the Nectar CC in store yesterday which also gives 10 points per £ spent for the first six months but only 24 months 0% on transfers and purchases.

I filled in the application and was offered £11000 credit limit.
arch689 m ago

It depends on your credit rating.As an aside they were pushing the Nectar …It depends on your credit rating.As an aside they were pushing the Nectar CC in store yesterday which also gives 10 points per £ spent for the first six months but only 24 months 0% on transfers and purchases.I filled in the application and was offered £11000 credit limit.


£11000 are you sure
Avatar
deleted929126
was gonna say posted already but the other one is expired for some reason. best 0% purchase card on the market at the minute! HOT.
cliosport653 m ago

£11000 are you sure


100% positive, why?
arch681 m ago

100% positive, why?


Quickest way to get into debt was thinking applying for myself
deleted92912629th Mar

was gonna say posted already but the other one is expired for some reason. …was gonna say posted already but the other one is expired for some reason. best 0% purchase card on the market at the minute! HOT.


Always double check before posting that deals aren’t already on here. Thought this was too hot to not share!
Avatar
deleted1391139
deleted92912629th Mar

was gonna say posted already but the other one is expired for some reason. …was gonna say posted already but the other one is expired for some reason. best 0% purchase card on the market at the minute! HOT.


best one in terms of months (31) but the Tesco equivalent - 28 months - gives you Tesco clubcard points on top, which are worth real money back to you
cliosport651 m ago

Quickest way to get into debt was thinking applying for myself


Credit Cards in general are dangerous but when used correctly they can be one of the best things an individual has for building a credit history and spreading the cost of large purchases
OLH12 m ago

Credit Cards in general are dangerous but when used correctly they can be …Credit Cards in general are dangerous but when used correctly they can be one of the best things an individual has for building a credit history and spreading the cost of large purchases



cliosport6514 m ago

Quickest way to get into debt was thinking applying for myself


Yeah you need to be able to manage it, i'll only use it for shopping and fuel at Sainsburys and set up a DD to pay it off in full each month.
Edited by: "arch68" 29th Mar
arch682 m ago

Yeah you need to be able to manage it, i'll only use it for shopping and …Yeah you need to be able to manage it, i'll only use it for shopping and fuel at Sainsburys and set up a DD to pay it off in full each month.


Exactly! I use mine to accrue Avios when booking flights and if you’re smart about it you can actually end up making money in the long run. General rule of thumb is that if you don’t trust yourself, don’t chance it.
Seems a good deal, with Nectar too.
OLH4 h, 34 m ago

Credit Cards in general are dangerous but when used correctly they can be …Credit Cards in general are dangerous but when used correctly they can be one of the best things an individual has for building a credit history and spreading the cost of large purchases


Dont forget protection, section 72 i think. If you buy something over £100 and they dont deliver you can claim it back
L_K1231 h, 34 m ago

Dont forget protection, section 72 i think. If you buy something over £100 …Dont forget protection, section 72 i think. If you buy something over £100 and they dont deliver you can claim it back


Section 75 - more details at moneysavingexpert.com/sho…ses
Avatar
deleted929126
deleted139113929th Mar

best one in terms of months (31) but the Tesco equivalent - 28 months - …best one in terms of months (31) but the Tesco equivalent - 28 months - gives you Tesco clubcard points on top, which are worth real money back to you


not really, clubcard points are worth "money off" of a spend. Exactly like the nectar points on this deal? You can't afaik exchange clubcard points for cash in the hand.
Never had a credit card. Can someone help me here? If I purchase something for 1200£ do I need to pay off credit card next month in full so 1200£? Or I can spread payments over 31 months to end up with 0£ balance?
How much do I need to pay off of each month?
And how much do I need to spend each month?
And is 1200£ the maximum I can owe?
nowocienkonrad9 m ago

Never had a credit card. Can someone help me here? If I purchase something …Never had a credit card. Can someone help me here? If I purchase something for 1200£ do I need to pay off credit card next month in full so 1200£? Or I can spread payments over 31 months to end up with 0£ balance?How much do I need to pay off of each month?And how much do I need to spend each month?And is 1200£ the maximum I can owe?


You will have 31 months to pay off the £1200, if you spent more than £1200 however you will lose the promotional rate so stay under £1200. If you lose the promotional rate then you have to pay interest of 18.9% on top of the £1200 you owe. There will be a minimum payment to be made each month which is normally a % of the total amount you owe on your card. If you don’t spend any money on it you don’t have a minimum payment to make. You can pay the minimum payment every month but it will take longer to clear the balance of the card. It would be advisable that if you are spending £1200 you set up a direct debit to pay £100 every month and you will clear the balance in 1 year £1200 is an example amount, if you have never had a credit card before you will most likely get £1200 but if you have had a card before they may offer you a bigger credit limit.

Hope this helps, if you have any questions I would advise researching some more or contacting Sainsbury’s where a trained staff member will run over it with you
Safe29th Mar

the credit limit is £1200, does that mean this is max you can get?Thanks …the credit limit is £1200, does that mean this is max you can get?Thanks in advance


I got a lot higher rate than the one stated, it all depends on your credit score and income.
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