Nectar American Express Credit Card
Points
Nectar American Express Credit Card
American Express UK - American Express - Credit card
4.3
4.3 out of 5
8.6/10
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Head-to-head
Nectar American Express Credit Card vs Monzo Extra
Compare Nectar American Express Credit Card and Monzo Extra side by side: fees, rewards, APR, and perks.
Last verified
Monzo Extra
Cash back
Monzo Extra
Monzo - Mastercard - Debit card
4.2
4.2 out of 5
8.4/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Nectar American Express Credit Card | Monzo Extra |
|---|---|---|
| Card fee | £30 GBP/yr (≈ $38) | £3 GBP/mo (≈ $4) |
| Purchase APR (from) | 29.1% | - |
| Interest-free period | 56 days | - |
| Foreign transaction fee | 2.99% | 0% |
| 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. | All free-tier retailer cashback offers plus 5% AER on the Saving Challenge pot. Virtual cards for organised spending. Auto-export of transactions to Google Sheets. |
| Installments | Flexible instalment plan available | - |
| No card fee | - | - |
| No foreign transaction fee | - | |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Nectar American Express Credit Card if its checked rows above line up with how you spend most.
- Choose the Monzo Extra if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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