Sainsbury’s Dual Offer credit card review

2 min Read Published: 29 Nov 2022
Sainsbury's Dual Offer credit card review
In this article, we review the Sainsbury's Dual 21 Month credit card, which offers a long interest-free period on both purchases and balance transfers.
It is open to people who already have a Nectar card and who have a minimum annual income of £10,000. It is not available to people who are self-employed.

Key facts about Sainsbury's Dual 21 Month credit card

  • Best for: Those with excellent credit who will secure the maximum 21 months.
  • Introductory offer: Interest free for up to 21 months on balance transfer and purchases.
  • Representative APR: 21.9% variable.
  • Fees: 3% or 4% balance transfer fee, no annual fee.
  • Perks: 500 bonus Nectar points each time you spend £35 or more on a Sainsbury's shop, up to 10 times in the first two months. Then collect up to 3 points for every £1 spent at Sainsbury's, Argos, Tu Clothing, and 1 point for every £5 spent elsewhere.

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Pros of Sainsbury's Dual 21 Month credit card

  • It offers a good introductory interest-free period for both balance transfers and purchases.
  • The initial offer on Nectar points means you could earn 5,000 points in the first 2 months, which is the equivalent of £25.
  • Compatible with Google Pay on Android devices.

Cons of Sainsbury's Dual 21 Month credit card

  • As with all Sainsbury's credit cards, it is not currently available to self-employed applicants.
  • You may be offered a shorter interest free period of 13 months
  • There is a 3% or 4% balance transfer fee, which might put off those with larger sums to move over.

How to find out which credit card is best for you

Comparing different credit cards is a key part of getting the best deal for you. Money to the Masses has helped to simplify this process by partnering with Creditec*, an online comparison service. You do not need to trawl through countless different provider websites hunting for the best cashback or lowest fees, as Creditec’s personalised search results will show you the key details you need to know in one place. Your tailored list will also feature the cards that you are more likely to be accepted for, cutting down the chance of any applications you make being rejected. Your search results are built using a soft credit search, so there will be no damage to your credit score. You can start your search by clicking this link*.

How to manage your Sainsbury's Dual 21 Month credit card

Cardholders can manage their account through Sainsbury's Bank online banking.

How to apply for the Sainsbury's Dual 21 Month credit card

Take the Sainsbury's eligibility checker to see if you are likely to be accepted before completing the online application.

Alternatives to the Sainsbury's Dual 21 Month credit card



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