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American Express UK Credit card
Nectar American Express Credit Card
Points
AMEX
Apply for Nectar American Express Credit Card

On American Express UK's secure site

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Card review

Nectar American Express Credit Card

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

Supercharge your Nectar points on everyday shopping

Fee
£30 GBP/yr (≈ $38)
Annual fee waived in the first year
Purchase APR
29.1% - 35.8%
Interest-free
56 days
Foreign fee
2.99%
Rewards
2 Nectar points per £1 on everyday purchases; 3 Nectar points per £1 at Nectar partner retailers (Sainsbury's, Argos, eBay, etc.). Points worth 0.5p each at Sainsbury's/Argos, equivalent to approximately 1% cashback on general spend.
Welcome offer
20,000 Nectar points when spending £2,000 in the first 3 months (worth up to £100 at Sainsbury's/Argos)

Our verdict

What stands out, and where it falls short.

What we like

  • 2 Nectar points per £1 on everyday purchases; 3…
  • Welcome bonus
  • 56-day interest-free period
  • Pay in installments

Worth weighing

  • £30 GBP/yr (≈ $38) card fee
  • 2.99% foreign transaction fee
  • High interest if you carry a balance

Who It Is For

Whether the Nectar American Express Credit Card fits how you actually spend.

Pick it if you are

  • People who want rewards on their spending
  • People who pay big purchases off over time

Skip it if you are

  • Light spenders who won't beat the £30 GBP/yr (≈ $38) fee
  • Frequent international travelers

Rates and fees

As of

All amounts shown in GBP.

Card fee
£30 GBP/yr (≈ $38)
Purchase APR
29.1% - 35.8%
Interest-free period
56 days
Foreign transaction fee
2.99%
Representative APR
35.8% variable (incl. £30 fee); 29.1% in year one (no fee)
Purchase Rate
29.1% p.a. variable
Non-Sterling Transaction Fee
2.99%

Rewards and features

Rewards
2 Nectar points per £1 on everyday purchases; 3 Nectar points per £1 at Nectar partner retailers (Sainsbury's, Argos, eBay, etc.). Points worth 0.5p each at Sainsbury's/Argos, equivalent to approximately 1% cashback on general spend.
Welcome offer
20,000 Nectar points when spending £2,000 in the first 3 months (worth up to £100 at Sainsbury's/Argos)
Installments
Flexible instalment plan available
Pay with
Apple Pay, Google Pay, Contactless
Points Earn Rate
3 pts/£1 at Nectar partners; 2 pts/£1 elsewhere

Benefits and perks

Extras that come bundled with the card.

  • Refund Protection
    Refund protection up to £200 per claim, £750 annually
  • 24/7 Global Assistance
    Global travel assistance service available around the clock
  • Amex Experiences
    Access to presale tickets for music, theatre, and film events

Eligibility

What you need before you apply.

Minimum Income
£20,000 per annum

Nectar American Express Credit Card: your questions answered

How much does the Nectar American Express Credit Card cost?
The Nectar American Express Credit Card costs £30 GBP/yr (≈ $38). Annual fee waived in the first year.
What rewards does the Nectar American Express Credit Card earn?
The Nectar American Express Credit Card earns 2 Nectar points per £1 on everyday purchases; 3 Nectar points per £1 at Nectar partner retailers (Sainsbury's, Argos, eBay, etc.). Points worth 0.5p each at Sainsbury's/Argos, equivalent to approximately 1% cashback on general spend..
Does the Nectar American Express Credit Card charge foreign transaction fees?
Yes - the Nectar American Express Credit Card charges a 2.99% foreign transaction fee.
Is there an interest-free period on the Nectar American Express Credit Card?
Yes - up to 56 days interest-free when you pay your balance in full by the due date.
What is the interest rate on the Nectar American Express Credit Card?
The Nectar American Express Credit Card has a purchase APR of 29.1% - 35.8%.
Does the Nectar American Express Credit Card have a welcome offer?
Yes - 20,000 Nectar points when spending £2,000 in the first 3 months (worth up to £100 at Sainsbury's/Argos).
Can I pay in installments with the Nectar American Express Credit Card?
Yes - Flexible instalment plan available.
Is the Nectar American Express Credit Card a credit, debit or prepaid card?
The Nectar American Express Credit Card is a credit card issued by American Express UK on the American Express network.
Does the Nectar American Express Credit Card support Apple Pay and Google Pay?
Yes - the Nectar American Express Credit Card works with both Apple Pay and Google Pay.
Where can I get the Nectar American Express Credit Card?
The Nectar American Express Credit Card is currently offered in United Kingdom.

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