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
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Best for: Those with excellent credit who will secure the maximum 21 months.
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Introductory offer: Interest free for up to 21 months on balance transfer and purchases.
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Representative APR: 21.9% variable.
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Fees: 3% or 4% balance transfer fee, no annual fee.
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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.
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.
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You may be offered a shorter interest free period of 13 months
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There is a 3% or 4% balance transfer fee, which might put off those with larger sums to move over.
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.
