Nectar Credit Card

20,000 Nectar bonus points

Representative 28.2% APR variable

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Terms and Conditions

Representative Example

Representative APR

28.2% APR variable

Annual fee

Based on £25 (£0 in first year)

Credit Limit

Assumed credit limit of £1,200.

Purchase Rate

22.9% variable for purchases.

Product Terms Read summary box

Check your eligibility for the Nectar Credit Card

Only takes a couple of minutes to complete
Will not impact your credit rating
Allows you to apply with confidence

Key Benefits

WELCOME OFFER

First year’s of £25 is on us

COLLECT POINTS

Collect for virtually every full £1 spent on the Card

NECTAR PARTNERS

Collect up to for virtually every full £1 spent at Nectar partners

HERTZ PARTNERSHIP

New benefits in partnership with

Earn Nectar points on virtually all purchases

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.

Refund Protection
Purchase Protection
Fraud Guarantee
Online Account
American Express Invites

Earn Nectar points

Collect when you spend and charge £2,000 to your Account in your first 3 months of Cardmembership.

Collect for virtually every full £1 spent on the Card

Collect up to for virtually every full £1 spent at Nectar partners

Complimentary for a family member, so you can collect even more Nectar points when they use the Card.

How much are points worth?

20,000 Nectar points

- At least £100 to spend with Nectar partners

10,000 Nectar points

- At least £50 to spend with Nectar partners

5,000 Nectar points

- 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.

Refer friends, get rewarded

Get a points boost. Refer friends and earn 5,000 bonus Nectar points if they are approved – up to 90,000 points a year.

Eligible items you buy with your Card in the UK are covered for up to 90 days and we'll replace or refund up to a maximum of £200, even if the retailer won't.

If you bought something with your Card that's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.

Fraud Guarantee

If you don't recognise a purchase, we'll remove it from your Account immediately and investigate it for you.

American Express Invites®

Make your next night out a memorable one with , enjoy access to purchase tickets to some of the most in-demand music, film and theatre events in town.

Your Nectar Credit Card is accepted all over town.

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 no history of bad debt
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.

Please ensure that you have read and downloaded these important documents before starting your application.

Read Terms and Conditions
Read Summary Box
Read Standard European Consumer Credit Information and Additional Explanations
Read Insurance
Statement of Lender and Borrower Responsibilities
Cardmember Privacy Statement

American Express adheres to The Standards of Lending Practice which are monitored and enforced by the Lending Standards Board

Need help completing your application? Click here for more information. If you are visually impaired, our online applications are accessibility software compatible.