Sainsbury's longest on the market at 31 months! 0% APR for purchases. Earn 1,000 extra Necter Points for £35 spent in sainsburys upto 10,000 points.
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Sainsbury's longest on the market at 31 months! 0% APR for purchases. Earn 1,000 extra Necter Points for £35 spent in sainsburys upto 10,000 points.

9
LocalFound 9th Dec 2017
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 £35+ 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 £35 chunks to max the bonus, getting 1,000 points on each transaction.

Need-to-knows
  • New customers applying by Thu 28 Dec will get 1,000 bonus Nectar points worth £5 each time they spend £35+ 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 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.
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9 Comments
Original Poster
*From MSE but not exclusive
Original Poster
julieallen6 m ago

Santander offer 39 …Santander offer 39 monthshttps://www.santander.co.uk/info/credit-cards/all-in-one-credit-card


Pay less interest, earn cashback
0%
On balance transfers for 39 months from account opening with no balance transfer fee1

0%
On purchases for 6 months from account opening

0.5%
Cashback on all your purchases with no limit to how much you can earn2

check
No foreign transaction fees on purchases made abroad in the local currency3

It says six months on purchases! Did you bother to check first?

And it has a £3 a month fee as well so over three years would cost over £100.
Edited by: "Anon32" 9th Dec 2017
julieallen7 m ago

Santander offer 39 …Santander offer 39 monthshttps://www.santander.co.uk/info/credit-cards/all-in-one-credit-card



as Anon32 correctly states, 39 months for balance transfers and 6 months on purchases

not comparable
ha no, I was looking at balance transfer ones when you posted and had that in my head sorry
Original Poster
julieallen2 m ago

ha no, I was looking at balance transfer ones when you posted and had that …ha no, I was looking at balance transfer ones when you posted and had that in my head sorry


Lol wondered what happened and remember the card has a £3 a month fee so useless to me as you can get 26 months with no fee or monthly fees. Hope it goes well for you
Just been caught out with tesco, thought I had 33 months but interest kicked in 4 months ago without me realising because I'd not been given the full term. My own fault for not paying attention, but still annoying.
Original Poster
tek-monkey10th Dec

Just been caught out with tesco, thought I had 33 months but interest …Just been caught out with tesco, thought I had 33 months but interest kicked in 4 months ago without me realising because I'd not been given the full term. My own fault for not paying attention, but still annoying.


Yeah not sure why you didn't read but don't you check every month when it comes in? Also this is 31 months or rejected so that can't happen on this one
Anon3238 m ago

Yeah not sure why you didn't read but don't you check every month when it …Yeah not sure why you didn't read but don't you check every month when it comes in? Also this is 31 months or rejected so that can't happen on this one


I thought it was set up to clear itself, £100 out a month by DD would clear it before the interest kicked in. Not now!
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