Sainsbury’s Dual Offer credit card review

2 min Read Published: 26 Oct 2020
Sainsbury's Dual Offer credit card review
In this article we review the Sainsbury's Dual Offer 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 Offer credit card

  • Best for: Those with excellent credit who will secure the maximum 20 months
  • Introductory offer: Interest free for up to 20 months on balance transfer and purchases
  • Representative APR: 21.9% variable
  • Fees: 3% balance transfer fee, no annual fee
  • Perks: 750 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 and Tu Clothing and 1 point for every £5 spent elsewhere

Pros of Sainsbury's Dual Offer 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 7,500 points in the first 2 months, which is the equivalent of £37.50

Cons of Sainsbury's Dual Offer credit card

  • As with all Sainsbury's credit cards, it is not currently available to self-employed applicants
  • You could only be offered a 12-month introductory period if you don't meet the criteria
  •  It requires a minimum annual income of £10,000
  • There is a 3% balance transfer fee, which might put off those with larger sums to move over

How to manage your Sainsbury's Dual Offer credit card

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

How to apply for the Sainsbury's Dual Offer 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 Offer credit card

For other options, read our article "Best credit card in the UK"