Sainsbury’s Bank 20 Month Balance Transfer
Representative APR
26.9% APR (variable)
Purchases
0% for up to 3 months, then 26.95% (variable) p.a.
Balance Transfers
0% for 20 months, then 26.95% (variable) p.a. (3.24%)
Account Fees
£0
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 26.95% (variable) p.a., most accepted customers get a rate of 26.9% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
No new applications are being accepted at this time. If you are interested in a Balance Transfer credit card, check out the Best Balance Transfer Credit Cards in the UK.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Sainsbury's Bank |
|---|---|
| Network | Mastercard |
| Primary Category | Balance Transfer |
| Loyalty Scheme | Nectar Points |
| Incentive on opening | Not accepting new applications |
| Cashback/Rewards (if applicable) | Earn 1 Nectar point per £2 spent in Sainsbury's and Argos, and 1 Nectar point for every £5 spent elsewhere. Additional points can be earned by also using the Nectar card or app at the time of transaction. 1 point = 0.5p (min 500pts) |
| Account Fee | £0 |
| Purchases | 0% for up to 3 months, then 26.95% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 0% for 20 months, then 26.95% (variable) p.a. (3.24%) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 29.95% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 0.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £0 |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 12 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 2.75% |
| Foreign Usage World | 2.75% |
Application Requirements
| Availability | Not accepting new applications |
|---|---|
| Minimum Income | £ 0 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
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