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Nectar Credit Card

New Cardmembers earn 20,000 bonus Nectar points when you spend £2,000 in your first three months of Cardmembership.
Representative 28.2% APR variable 
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

Key Benefits


First year’s Cardmembership fee of £25 is on us


Collect 2 points for every full £1 spent on the Card


Collect a minimum of 3 points per £1 spent at Nectar partners when using your Credit Card and loyalty card.

Reward yourself

  • Earn Nectar points on virtually all purchases
Read more


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.

World-class service

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
Read more
Reward yourself
Earn Nectar points
Collect 20,000 Nectar bonus points when you spend and charge £2,000 to your Account in your first 3 months of Cardmembership.
Collect 2 points for every full £1 spent on the Nectar Credit Card
Collect a minimum of 3 points per £1 spent at Nectar partners when using your Credit Card and loyalty card.
Complimentary Supplementary Cards 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.
World-class service
Refund Protection
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.
Purchase Protection
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 American Express Invites, 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
  • 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.

Ready to apply?

20,000 Nectar bonus points Welcome offer. Representative 28.2% APR variable.
The Nectar Credit Card is offered by American Express Services Europe Limited. Click here for more information.