Nectar Credit Card

Credit Card
Variable credit limit
Representative example: Representative 25.0% APR variable. Based on an assumed credit limit of £1200. Interest rate for purchases: 19.9% p.a. variable.
Annual fee
£25 annual fee

Highlights

10,000 Nectar bonus points welcome offer - worth at least £50 to spend with Nectar partners¹
Collect 2 points for virtually every full £1 spent everywhere on the Card²
Collect up to 4 points for virtually every full £1 spent at Nectar partners³
New benefits in partnership with Hertz: 15% discount on full price car rentals worldwide and complimentary entry into Gold Plus Rewards⁴
Purchase and Refund Protection⁵
Manage your account online and on the go.

Reward yourself

Collect 10,000 Nectar bonus points when you spend and charge £1,000 to your account in your first 3 months.

Collect 2 points for virtually every full £1 spent everywhere on the Card
Collect up to 4 Nectar points for every full £1 spent at Nectar partners
Complimentary Supplementary Card for a family member, so you can collect even more Nectar points when they use the Card

How much are points worth?

Points

Your reward

20,000
At least £100 to spend with Nectar partners
10,000
At least £50 to spend with Nectar partners
5,000
At least £25 to spend with Nectar partners

Examples representative of spending Nectar points. Visit nectar.com for more information about where to collect and spend your points.

Travel

Now you can take one more thing on your travels; total piece of mind, thanks to 24/7 back up from American Express.

Global Assist^® provides help when you travel outside the UK, in your own language, 24/7.

As you might expect from American Express, the service is a little bit special. The first person to answer your call will be your contact until the matter is resolved. You can phone, text or email us 24/7 and we’ll get on it right away. But that’s just the start.

Eligible items you buy on your Card in the UK have Refund Protection. Items are covered up to 90 days and we'll replace or refund up to a maximum of £200. Even if the retailer won't⁵
You also get Purchase Protection. If you bought it on your card and it's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item⁵
Don't recognise a purchase? We'll remove it from your account immediately and investigate it for you as part of our fraud guarantee
Make your nights out stories to share with Preferred Seating

Preferred Seating

Preferred Seating gives our Cardmembers exclusive access to pre-sales at ticketmaster.co.uk. Tell me more
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from American Express, giving you access to some of the hottest tickets and tables in town.

Your Nectar Credit Card is accepted all over town.

Eligibility

To save time before applying for your Nectar Credit Card, it's best to make sure you can say yes to the following.

I am aged 18 or over
I have a current UK bank or building society account
I have a permanent UK home address
I have a household income of at least £30,000
I have no history of bad debt
And if self-employed, I have been working for more than one year

If you can say yes, go ahead. Your application takes less than 10 minutes and we may be able to give you a response in less than 60 seconds - so apply now.

View important information

Read Terms & Conditions
Read Summary Box
Read Insurance Documentation
Read Standard European Consumer Credit Information and Additional Explanations
Your Guide to the Lending Code

10,000 bonus points will be awarded onto your account once you have been approved and a minimum of £1,000 has been spent and charged to the account within three months of account opening. All introductory offers are subject to change, can be withdrawn at any time and are not available if you currently hold or have held the Nectar Credit Card in the past 6 months.
2 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card everywhere, including abroad (except for purchases made at warehouse retailers in the United Kingdom (e.g. Costco) where you will earn Points at the rate of 1 point for every full £1).
4 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card (except for purchases made at warehouse retailers in the United Kingdom where you will earn Points at the rate of 1 point for every full £1) and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP, Expedia and Homebase, different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details.
Go to Hertz.co.uk/amex to review the terms and conditions, create your Hertz profile and take advantage of these great benefits.
American Express Services Europe Limited (“AESEL”) makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESEL’s contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms, conditions and exclusions apply. Details can be found on the American Express website.

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. Aimia Coalition Loyalty UK Ltd, registered in England and Wales (company number 04236999) is an introducer appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited. The Nectar Credit Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales, Company Number 1833139, and authorised by the Financial Conduct Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Conduct Authority. Details can be found on the FSA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.