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Sainsbury’s Balance Transfer

Sainsburys Balance Transfer

What are the current Sainsbury’s balance transfer offers? Are there any Sainsbury’s bank balance transfer offers for existing customers?

These are both popular questions that we see UK customers asking on a regular basis about the Sainsbury’s balance transfer credit card.

The Sainsburys balance transfer credit card has now had it’s 0% introductory offers, reduced in length several times, over the last year. The card now no longer offers one of the longest balance transfer offers.

Sainsbury’s Balance Transfer Credit Card

In November 2022 the Sainsbury’s balance transfer credit card offered customers 0% for up to 31 months on balance transfers.

The current Sainsbury’s balance transfer card now has an offer of just 0% for 20 months on balance transfers with a 3.24% or 4.24% balance transfer fee on transfers made within first 90 days (minimum £4). This card now also has a very high standard interest rate with a representative 26.9 APR variable.

This card is now the only Sainsburys 0 balance transfer card available, as the bank have now withdrawn all of their other 0% cards from the market.


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Balance Transfers:
0% for 20 months
Balance Transfer Fee:
4.24%
Purchases:
0% for 3 months
Representative APR:
26.9% APR (variable)
  • 0% interest on balance transfers for 20 months
  • 3.24% or 4.24% balance transfer fee on transfers made within first 90 days (minimum £4)
  • 0% interest on purchases for your first 3 months
  • Collect up to 3 Nectar points per £2 in Sainsbury’s, Argos, and Habitat
  • Collect 1 Nectar point for every £5 spent on your card elsewhere
  • Online account management
  • Annual Fee: None
  • You have a permanent UK address
  • You have not been declined for credit in the last month
  • You do not have a history of bad credit
  • You are aged 18 or over
Representative Example: 26.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 26.95% p.a. (variable)
No balance transfers allowed to this card from Sainsbury’s credit cards

Sainsbury’s Balance Transfer Deals For Existing Customers

Are you looking to make a balance transfer from your existing Sainsbury’s credit card? What are the Sainsbury’s credit card offers for existing customers?

Existing customers with a Sainsbury’s credit card are not eligible for any of the 0% offers from Sainsbury’s bank for new customers. Like the other UK banks, Sainsbury’s do not allow balance transfers between cards issued by the same bank.

There are however, Sainsbury’s balance transfer deals for existing customers available on 0% cards from many of the other UK card companies. These include the long M and S Balance transfer cards and HSBC balance transfer credit cards.

Many of the other 0% transfer credit cards in the UK will accept a transfer from a Sainsburys credit card. You can make a balance transfer from a Sainsburys credit card to all of the following popular featured credit cards :-

Balance Transfers:
0% for up to 24 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
HSBC Balance Transfer*
  • 0% interest for up to 24 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for 3 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Balance Transfer*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 26 months
Balance Transfer Fee:
3.49%
Purchases:
0% for 3 months
Representative APR:
24.9% APR (variable)
M&S Transfer Plus*
  • 0% for up to 26 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for 3 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Transfer Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 12 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 20 months
Representative APR:
24.9% APR (variable)
M&S Purchase Plus*
  • 0% for up to 12 months on balance transfers made within 90 days of account opening
  • 3.49% balance transfer fee, minimum £5
  • 0% on purchases for up to 20 months from account opening
  • Collect M&S points every time you shop anywhere in the world with your card
  • One point for every £1 you spend in M&S and one point for every £5 you spend elsewhere
  • Manage account online
  • Annual Fee: None
M&S Purchase Plus*
  • You are a UK resident
  • You have an annual income or pension of at least £6,800
  • You are aged 18 or over
  • You have not held a credit card with M&S Bank within the previous 12 months
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards
Balance Transfers:
0% for up to 16 months
Balance Transfer Fee:
3.49%
Purchases:
0% for up to 18 months
Representative APR:
24.9% APR (variable)
HSBC Purchase Plus*
  • 0% interest for up to 16 months on balance transfers made within first 60 days of account opening
  • 3.49% balance transfer fee applies (minimum £5)
  • 0% interest on purchases for up to 18 months from account opening
  • At end of promotional period, balance transfers and purchases will revert to standard variable rate
  • Worldwide offers and discounts with HSBC home&Away
  • Manage your card online
  • Annual Fee: None
HSBC Purchase Plus*
  • You have an annual income or pension before tax of £6,800 or more
  • You are a UK resident
  • You are aged 18 or over
  • You do not hold an HSBC Basic bank account
Representative Example: 24.9% APR representative (variable). Based on an assumed credit limit of £1,200 and a purchase rate of 24.9% p.a. (variable)
Credit is subject to status, affordability and applicable terms and conditions. You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
No balance transfers allowed to this card from first direct, HSBC or M&S credit cards

Sainsburys Credit Cards

There are now only a very small number of Sainsburys credit cards available. The bank has now removed almost all of their 0% cards from the UK market. Previously there were a small number of Sainsburys credit cards with different offers of 0% on transfers.

The bank’s Dual credit card was also previously available with an offer of 0% on both balance transfers and purchases. This card is also now no longer available to new customers in the UK.

All of these Sainsburys credit cards had stopped offering the very long 0% introductory deals, that they once did, and are now no longer available.

Many UK balance transfer credit cards with the longest 0% introductory offers have now been removed from the market. This is largely as a result of the Bank of England warnings. The Bank had spoken to the UK card issuers, regarding the availability of easy credit in the current uncertain times.

The remaining Sainsburys balance transfer card is issued using the Mastercard payment network. Mastercard credit cards are accepted at millions of shops, hotels, restaurants and petrol stations, all around the world.


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Published: January 2, 2024, Updated: January 11, 2024 by Balance Transfer Expert

All 0% balance transfer credit card offers on this website are updated daily