• Overview 
• Rewards 
• Travel and Shopping 
• Preferred Seating 
• Eligibility 
• Managing your Account 

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What will your spend earn you?

With The Nectar Credit Card you collect Nectar points, fast. Here's how:

- 5,000 Nectar bonus points when you spend £500 within the first 3 months of Cardmembership
- 500 MorePoints for every £500 spent on the Card in any calendar month
- 2 Nectar points for every full £1 spent at participating Nectar partners
- 1 Nectar point for every full £1 spent everywhere else
- Up to 4 Nectar points for every full £1 spent when you use both your Nectar Credit Card and your Nectar loyalty card at participating Nectar partners.

So when you're out shopping for every day items, doing the weekly supermarket shop or filling up the car with your Nectar Credit Card, you'll be collecting points.

And with all those points, you can start treating yourself. Perhaps you'd enjoy a long weekend away or a pampering spa break? Whatever you're into, you'll find something at nectar.com - and it's all achievable. Just use your Nectar Credit Card for your everyday spending and the points will quickly mount up.

If you want to accumulate even more Nectar points, be sure to request a complimentary supplementary Card and give it to a family member to use. Any spend on the supplementary Card will count toward your total to give you even more points.

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Are there more special perks?

With the Nectar Credit Card you don't stop collecting points just because you've left the country. The Card's accepted worldwide and you will collect Nectar points wherever you go.

You also get complete peace of mind, because purchases with the Nectar Credit Card are protected. If eligible items you bought with the Card are stolen or accidentally damaged within 90 days, it'll be replaced, repaired or the cost refunded up to £2,500 refunded. Should you change your mind or return your eligible item for any reason within the same 90 day period, the Card's Refund Protection means that even if the UK retailer won't refund you, the Nectar Credit Card will refund you up to £200.⁴

The Card's online fraud protection also means you won't be held responsible unauthorised charges. So when you're shopping online - be it at an online Nectar partner (such as Play, Amazon, Argos and eBay) or any other internet retailer, you're protected with the Nectar Credit Card.

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Entertainment the way you like it

Get up close and personal with Preferred Seating from American Express. Enjoy access to some of the best seats in the house and make your next night out even more memorable.

Available to all Cardmembers, Preferred Seating gets you some of the best seats for music, theatre and film events. You can also get priority access to some of the hottest shows during our exclusive presales - so you can snap up tickets before they go on general sale.

Please read important information below

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

Important information

1. If approved for the Nectar Credit Card you will collect 5,000 bonus points when you spend a minimum of £500 on goods and services purchased within 90 days from account opening. For every £500 spent on your card, in any calendar month, you will collect 500 MorePoints on top of your usual base and bonus points. There is no upper limit. American Express and Nectar reserve the right to vary the rate at which points are collected. Nectar points are not earned on Balance Transfers, Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange, interest, any spending in excess of your credit limit, charges for dishonoured cheques, late payment or referral charges and other charges.

2. 4 points per full £1 consists of collecting 2 points on your Nectar Credit Card and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP, Expedia and Homebase, different points levels apply. See nectar.com for details. American Express reserves the right to vary the Nectar points you collect from American Express on spending at any Nectar partner.

3. American Express may vary the %APR, interest rates and other charges from time to time. The Nectar Credit Card interest rate for Cash Withdrawals is 27.9% p.a. including cash transaction charge (2.08% per month). We may offer you the opportunity to request Balance Transfer(s) from time to time - we will charge interest on all balances that result from Balance Transfer(s) at the standard rate of 1.53% per month, 19.9% per annum on a daily basis until the amount is fully repaid to us. For example we reserve the right to refuse any Balance Transfer requests including Balance Transfers from overdue accounts, exceeded Credit Limits, overdrafts, loans, HP agreements or any Amex accounts. We are not liable for any overdue payments or interest incurred. Payments to card companies will normally be made within 30 days from receipt of your statements and we will advise you when payment is made. We may charge a handling fee in relation to Balance Transfers. Any such handling fee will be 3% of the Balance Transferred.

4. Online Fraud Guarantee: When you use your Card online you will not be held responsible for unauthorised charges.

5. 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. Full details of the insurance benefits currently available can be found in Your Insurance Documentation available on this website and which will be provided with your Card . Please read this document to understand the limits and exclusions that may apply.

American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. Registered in England and Wales with Number 1833139. American Express Services Europe Limited is authorised by the Financial Services Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. For insurance mediation activities only, American Express Services Europe Limited is an Appointed Representative of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register.

6. Repayment Protection costs 79p per £100 of your monthly balance, including Insurance Premium Tax. Policy terms and conditions apply. Registered office is 76 Buckingham Palace Road, London SW1W 9AX. American Express Services Europe Limited is an appointed representative for insurance mediation activities only of American Express Insurance Services Limited who are authorised and regulated by the Financial Services Authority, and like us are part of the American Express Group.

Written details are available on request. Applicant must be 18 years old or over. The Nectar Credit Card is issued by American Express Services Europe Limited. Registered Office: Belgrave House, 76 Buckingham Palace Road, London SW1W 9AX, UK. Registered in England and Wales with Number: 1833139. American Express Services Europe Limited is authorised by the Financial Services Authority under the Payment Services Regulations 2009, reference number 415532, for the provision of payment services.