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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
Coronavirus (COVID-19) credit card update What do Sainsbury's Bank credit cards offer?  How does Sainsbury's Bank compare to other providers? Is Sainsbury's Bank a good credit card provider?
Which 0% purchase credit card is best? How we calculate Sainsbury's Bank's customer score and ratings Sainsbury's Bank credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do Sainsbury's Bank credit cards offer? 

Sainsbury's Bank offers a range of competitive 0% balance transfer, dual offer and low rate credit cards.

The supermarket brand also lets you earn Nectar points when you spend on any of its cards. 

  • You can compare Sainsbury's Bank credit cards, plus hundreds of other deals, on Which? Money Compare.

How does Sainsbury's Bank compare to other providers?

Sainsbury's Bank achieved an above-average customer score of 74% in our latest credit card satisfaction survey securing joint 9th place.

Credit Cards
Sainsbury's Bank review
Which? Customer Score
=9th out of 29 credit card providers
Which?'s rating for customer satisfaction, 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 satisfaction ratings


Star ratings

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.

Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

4 out of 5

Ability to manage by mobile app

2 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

1 out of 5

Which 0% purchase credit card is best?

Below are the top five 0% purchase credit cards on the market right now.

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 brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

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

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 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 transfer an American Express balance to a Sainsbury's card?


Sainsbury's Bank is not able to accept balance transfers from American Express cards.

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