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Sainsbury's Bank credit card review

Find out how Sainsbury's Bank has been rated for its application process, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
What do Sainsbury's Bank credit cards offer?  How does Sainsbury's Bank compare with other providers? Is Sainsbury's Bank a good credit card provider?
How we calculate Sainsbury's Bank's customer score and ratings Sainsbury's Bank credit card FAQs

What do Sainsbury's Bank credit cards offer? 

Sainsbury's Bank offers a range of competitive 0% balance transfer, dual offer and reward credit cards. Credit is subject to status and terms apply.

With a Sainsbury's credit card, you can collect up to three Nectar points per £1 when you shop at Sainsbury’s, Argos, Habitat and Tu Clothing. And you‘ll collect one point per £5 spent elsewhere.

How does Sainsbury's Bank compare with other providers?

Sainsbury's Bank achieved an above-average customer score of 74% in our latest credit card satisfaction survey securing joint-8th place along with British Airways.

However, the provider's cards didn’t meet the benchmarks set in our product analysis to secure Which? Recommended Provider status.

Credit Cards
Sainsbury's Bank review
Which? customer score
=8th out of 26 credit card providers
The Which? rating for customer satisfaction is based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Sainsbury's Bank a good credit card provider?

Our survey also reveals how Sainsbury's Bank customers rated the provider across 10 categories. 

Find out in the table below how Sainsbury’s Bank scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Sainsbury's Bank credit card customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

2 out of 5

Dealing with complaints and resolving problems

3 out of 5

Dealing with queries

3 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

3 out of 5


Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

How we calculate Sainsbury's Bank's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular credit card brands searched for online. 

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

Star ratings for each category are calculated independently of the customer score.

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 respondents to be included in our customer satisfaction tables.


Sainsbury's Bank credit card FAQs


Does Sainsbury's Bank offer an eligibility check?


Yes, Sainsbury's Bank offers a 'soft search' facility to help you work out if you qualify for its deals before you apply without damaging your credit score.


Where are Sainsbury's Bank credit cards accepted?


Sainsbury's Bank issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


Can you earn Nectar points with a Sainsbury's credit card?


Yes, apart from special introductory offers you can collect up to three points per £1 spent at Sainsbury's, Argos, Habitat and Tu Clothing when you use your credit card and swipe or scan your Nectar card. You’ll collect one Nectar point for every £5 you spend elsewhere. 

Please note that this article is for information purposes only and doesn't constitute advice. Please refer to the particular terms and conditions of a provider before committing to any financial products.