Nectar Credit Card

Earn Nectar Points as you spend
Representative APR: 27.3% APR variable
New Cardmember Offer
Earn 20,000 bonus Nectar points
when you spend £2,000 in your first three months of Cardmembership
Representative Example
Representative APR27.3% APR variable
Annual Fee£25 (£0 in first year)
Credit LimitAssumed credit limit of £1,200.
Purchase Rate22.2% variable for purchases
Check your eligibility
The Nectar Credit Card
- Only takes a couple of minutes to complete
- Will not impact your credit rating
- Allows you to apply with confidence
Featured Benefits
Welcome Offer
First year’s Cardmembership fee of £25 is on us
Collect Points
Collect 2 points for every full £1 spent on the Card
Nectar Partners
Collect a minimum of 3 points per £1 spent at Nectar partners when using Credit Card and loyalty card.
All Benefits
Reward Yourself
Earn Nectar points
Redeem your Nectar points
Invite Friends, get Rewarded
Complimentary Supplementary Cards
Travel Benefits
Global Assist®
World-class Service
Purchase and Refund Protection
Fraud Guarantee
American Express Offers
American Express Experiences
Receive your Card in the Post
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 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
- I understand I will not be eligible for any Welcome Bonus award if I hold or have held any personal American Express Cards in the past 24 months
Important Information
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.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
American Express Services Europe Limited has its registered office at Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.
Apply today and get a decision in as little as 60 seconds.

The Nectar Credit Card is offered by American Express Services Europe Limited.