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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 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 Sainsbury's Bank 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


A range of credit card providers are offering to increase limits as well as temporarily waive late payment charges and cash advance fees in a bid to help ease the financial hardship caused by the coronavirus outbreak.

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Sainsbury's Bank credit cards offer? 

Sainsbury's Bank offers a range of highly competitive 0% balance transfer0% purchase and dual offer credit cards.

In addition, the supermarket brand also pays Nectar points on spending across its whole range, helping you to boost your points at the checkout.  

  • 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 73% in our latest credit card satisfaction survey securing joint 10th place.

Credit Cards
Sainsbury's Bank review
Which? Customer Score
10th 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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£1 for first month then £12.75/month unless cancelled

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 and query handling.

Sainsbury's Bank credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

5 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

4 out of 5

Dealing with queries

3 out of 5

Dealing with complaints 3 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 3 out of 5
Charges for using your credit card abroad

2 out of 5

Which Sainsbury's Bank credit card is best?

You can explore the best Sainsbury's Bank credit card deals using Which? Money Compare.

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 5,621 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?


Sainsbury's Bank doesn't currently offer a soft search facility to help you work out if you qualify for its deals.

To be in with a chance of success, you should check your credit report and, if needed, take steps to improve your credit score before applying.


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 do American Express balance transfers 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.