The Nectar Credit Card

It’s just like a normal credit card‚ but better‚ as it gives you Nectar points everywhere you use it. Use the Card on the high street‚ online or even on holiday and you’ll collect points at a faster rate than ever before.

You can also double the points you collect at Nectar partners. Simply hand over your Nectar loyalty card and your new Nectar Credit Card at participating partners and you’ll collect up to 4 points for each full £1 you spend1 plus double Nectar points for the first 3 months1.

The Nectar Credit Card comes with lots of benefits like:

	Double Nectar points for the first 3 months of Cardmembership
	2 points for every full Ł1 spent on the Nectar Credit Card at Nectar partners
	1 point for almost every full Ł1 spent on the Card everywhere else
	500 MorePoints1 for every Ł500 you spend on your Card, each calendar month
	No annual fee

Our simple online application form takes around five minutes. All you need to hand are your bank/building society details and a Nectar account number. If you don’t have a Nectar account number‚ you can apply for one online now at www.nectar.com

1. If approved for the Nectar Credit Card you will receive double points everywhere you spend for the first 3 months of Cardmembership only. 4 points per full Ł1 consists of collecting 2 points on your Nectar Credit Card and 2 points on your Nectar loyalty card at participating partners. For every Ł500 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. American Express may vary the APR, interest rates and other charges from time to time. Nectar points are not earned on Cash Advances, American Express Travellers Cheque purchases, Foreign Exchange and Express cash transaction, interest, any spending in excess of your credit limit, charges for dishonoured cheques, late payment or referral charges and American Express Credit Card finance charges. American Express reserves the right to vary the Nectar points you collect from American Express on spending at any Nectar partner. Written details are available upon request.

2. When you use your Nectar Credit Card you will not be held responsible for unauthorised charges online.

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 25.9% p.a.(1.94% 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 1.46% per month, 18.9% 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 our 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 2% of the Balance Transferred.

When you use your Nectar Credit Card you will not be held responsible for unauthorised charges online. Applicants must be 18 years old or over. Approval subject to status, certain exclusions apply. Written details are available upon request. 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.