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Nectar Credit Card
Nectar Credit Card
Earn Nectar Points as you spend
Representative APR: 27.3% APR variable
Apply Now

New Cardmember Offer

Earn 20,000 bonus Nectar points

when you spend £2,000 in your first three months of Cardmembership
Apply Now

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
Check your eligibility

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.
    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.

    Apply today and get a decision in as little as 60 seconds.

    Apply today and get a decision in as little as 60 seconds.
    The Nectar Credit Card is offered by American Express Services Europe Limited.

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