Sainsbury's Bank no longer offers credit cards. This page is kept as a record of what was available and what happened to existing accounts.

ClearScore is a credit broker, not a lender.

Sainsbury's Bank offered a range of credit cards that earned Nectar points on spending, typically at a higher rate in Sainsbury's and its sister brands than elsewhere, alongside balance transfer and purchase cards. None carried an annual fee.

In January 2024, Sainsbury's Bank announced it would stop providing most banking services to new customers — including credit cards, loans and savings accounts — as part of a decision to focus on its retail businesses. In June 2024 it confirmed an agreement to sell its credit card, loan and savings portfolios to NatWest.

NatWest became the legal owner of certain credit card accounts on 1 May 2025, with those accounts moving onto NatWest systems on 3 October 2025. Accounts that did not transfer on 1 May 2025 have been closed.

Customers whose accounts transferred to NatWest can contact NatWest directly on 0345 366 7005 for credit card queries. Those whose accounts did not transfer can find support at money.sainsburys.co.uk/accountsupport.

Nectar points already earned were unaffected by the transfer, and transferred customers can continue collecting and redeeming them.

Nectar points can still be earned without a credit card — using a Nectar card or app at the till earns points on spending at Sainsbury's and partner brands, with each point worth 0.5p.

For credit cards that earn supermarket loyalty points or rewards, our guide to UK grocery credit cards sets out what's currently available.