Best for Sainsbury's Shoppers
Earn Nectar points on all spending and bonus points at Sainsbury's. No annual fee. Good for regular Sainsbury's shoppers.
A supermarket card that earns Nectar points, weighted heavily towards spending in Sainsbury's itself.
Nectar's value is highest when redeemed through partner offers rather than at face value in store, which takes some engagement to exploit properly.
Who it suits. Households that do a large weekly shop at Sainsbury's and already collect Nectar. Outside that, the earn rate on general spending is unremarkable.
Worth knowing. Supermarket loyalty cards are worth evaluating on where you actually shop, not on the headline earn rate. If your shop is split across several chains, a flat cashback card usually beats any single scheme.