About Nectar credit card...
- Earn Nectar points on all your spending
- 5,000 bonus Nectar points
- AmEx cardholder benefits and features
Earn Nectar reward points
The Nectar credit card from American Express allows you to earn Nectar reward points on every purchase you make with the card. You can really increase your Nectar points earning potential with this card, as you'll be awarded up to 4 points for every £1 you spend at Nectar sponsors and 1 point for every £1 you spend everywhere else.
When you take out the Nectar credit card you'll be awarded with 5,000 Nectar points if you spend £200 or more within the first 3 months on goods or services. You'll also be earning double Nectar points for the first 3 months - plenty of bonus points to get you off to a flying start.
Low interest rate and cardholder services
The Nectar credit card offers more than just a retail rewards scheme, with a competitive interest rate and a host of American Express cardholder benefits, this credit card offers some real arsenal for your wallet.
Apply for Nectar credit card 
| Interest Rates and Fees |
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Notes.. |
| Typical APR |
18.9% APR (variable) |
The typical APR is the rate most people are offered.
|
| Balance Transfers |
18.9% p.a. |
- |
| Balance Transfer Fee |
2% |
You may be charged a balance transfer handling fee of 2% of the balance transferred. |
| Cash Withdrawal Rate |
25.9% p.a. (variable) |
This is the rate you are charged on balances resulting from using a cash machine, getting cash back at the supermarket or buying foreign money. you may only make cash withdrawals equal to 20% of your credit limit at the time of withdrawal. also, you may only draw up to £200 cash in any 7 day period. |
| Cash Withdrawal Fee |
3%
(£3 minimum) |
When you use your credit card to get cash you will be charged a 'handling fee' for doing so. |
| Annual Fee |
£0 |
-
|
| Foreign Transaction Fee |
2.73% |
This is fee you will be charged for credit card transactions made abroad.
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| Rewards |
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Notes.. |
| Nectar Points |
Earn 4 points for every £1 spent at participating Nectar sponsors, earn 1 point for every £1 spent elsewhere |
Nectar sponsors include Sainsbury's, Debenhams, BP, Thresher, Adams, Ford, Hertz, Brewers Fayre, Beefeater, TalkTalk, Dollond and Aitchison, Thomson and more. |
| Double Nectar Points |
Double Nectar points for 3 months |
Earn double Nectar points on the Nectar credit card during the first 3 months your account is open. |
| Nectar Bonus Points |
5,000 bonus points |
Bonus points will be rewarded when you spend at least £200 on purchases within the first 3 months. |
| Cardholder Services & Extras |
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|
Notes.. |
| Online Account Management |
Yes |
You can log in to the American Express web site and manage your Nectar credit card account online. |
| Purchase Protection |
Up to £20,000 per year |
Purchases made with this card will be protection against theft or accidental damage for 90 days after the purchase date. please note exclusions apply. |
| Refund Protection |
Up to £200 per item, up to £750 per year |
Purchases will be covered in the event that you return an unused eligible item to the retailer, within 90 days of purchase and the retailer will not refund you. please note exclusions apply. |
| Internet Fraud Guarantee |
Yes |
When you use this card online you will not be held responsible for any unauthorised charges. |
| Emergency Card Replacement |
Yes |
If your card is ever lost, damaged or stolen, American Express will get an emergency replacement card to you almost anywhere in the world. |
| Other Extras |
24 hour customer service, free additional cards |
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| Payments & Payment Details |
| |
|
Notes.. |
| Credit Limit |
£700 minimum |
Credit limit may vary from person to person and is subject to status. |
| Interest Free Period |
Up to 56 days |
There is no interest free period on cash withdrawals, cheques or balance transfers. this is the amount of time you have to clear your balance in full each month before you are charged any interest. |
| Minimum Monthly Payment |
2.5%
(£5 minimum) |
The minimum monthly payment is the smallest amount you must pay each month (unless your credit card balance is zero). |
| Allocation of Payments |
Interest, fees, balance transfers, purchases, cash withdrawal |
When you make a payment to this card they will be applied to charges / balances in this order. meaning you have to clear balance transfers before you will be able to repay balances resulting from purchases and cash withdrawals. |
| Default Charges |
£8 |
This is how much you will be charged for late payments, returned payments and if you go over your credit limit. |
| Copy of Statement Fee |
£5 |
This is the fee you will be charged for duplicate statements. |
| Card Details |
| |
|
Notes.. |
| Online Application |
Yes |
- |
| Card Type |
Classic |
-
|
| Payment Company |
American Express |
This is the company who provides the payment technology and infrastructure to allow you to use this credit card. retailers and ATM machines displaying the 'American Express' logo will accept this card. |
| Card Issuer |
American Express |
This is the bank behind your credit card. |
| Card Advertiser |
American Express |
This is the company who advertises and promotes this credit card. |
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Nectar Credit Card
| Typical APR |
 18.9% APR |
 |
| Balance Transfers |
 18.9% p.a.
2% transfer fee |
|
| Rewards |
| Nectar loyalty points |
|
| Interest Free Period |
| Up to 56 days |
|
| Annual Fee |
| £0 |
|
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| You should only apply if you are: |
| • Aged 18 or over |
| • Have a permanent UK home address |
| • Have a current UK bank or building society account |
| • Have no CCJ's for non-payment of debt |
| • If self-employed, you have been working for over 1 year |
| • Have a household income of over £20,000 - your income plus your partner's income |
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More about Nectar credit card...
The Nectar credit card offers up some excellent features that make a credit card what it should be. With a competitive interest rate and the cardholder extras you expect from an American Express, this is a great credit card to keep hold of, and don't forget you'll also be earning Nectar points every time you buy goods and services.
Earning Nectar points
With the Nectar credit card you'll earn up to a staggering 4 points per £1 when you use this credit card with your Nectar loyalty card to shop at Nectar sponsors, including Sainsbury's, Debenhams, BP, Thresher, Adams, Ford, Winemark, EDF Energy, Hertz, Magnet, Brewers Fayre, Beefeater, ebookers, TalkTalk, Dollond and Aitchison and Thomson.
Plus, don't forget you will also earn 1 Nectar point for every £1 you spend on goods and services everywhere else.
Bonus Nectar points
New Nectar credit card customers will receive a whooping 5000 bonus points, though you will need to spend at least £200 on goods or services within the first 3 months to qualify.
As a new Nectar cardholder you'll also benefit from the introductory offer of earning double Nectar points during your first 3 months.
American Express Cardholder Benefits
When you carry the Nectar credit card, you'll be an American Express cardholder, and as such you will be entitled to a host of free services that will help to keep you, your money and your purchases safe.
Cardholder benefits that come value packed on the Nectar credit card include purchase and refund protection, an online fraud guarantee, an emergency card replacement service and online account management. What's more, all these services are free to Nectar card holders.
The Nectar credit card really allows you to shop with confidence, as you'll be protected against unauthorised card use, stolen or accidentally damaged purchases and if you are unhappy with a purchase and the UK retailer refuses a refund, then American Express will refund the purchase price instead.
Applying for Your Nectar Credit Card
Applying for your Nectar credit card is quick, simple and safe. You can apply online today, and it'll only take a few minutes. All your information is securely encrypted so that only American Express can read it.
To be considered for a Nectar credit card you will need to be aged 18 or over, with a permanent UK home address and a current bank or building society account. You also need to have a household income (your income plus your partner's income) of at least £20,000.
It is also important that you do have any County Court Judgements for non-payment of debt and if you are self-employed you will be required to have been trading for over 1 year.
Apply for Nectar credit card
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