Nectar Cards

Hi Ronnie - that's a relief!

The Sainsbury's CC doesn't give points. Its advantages are otherwise.

The Amex Nectar CC does. One point for each £1 spent on the card but 2 points for purchases at Sainsbury's, Debenhams, BP, and other Nectar linked retailers - see https://www.nectar.com for details. I assume Amex teamed up with Nectar for their mutual benefit. But for interest read about the mess they got themselves into by offering 6000 Nectar points to take up their CC! Several other threads about that story.

The Nectar loyalty card gives 2 points per £1 of purchases in Sainsbury's. So, if you produce your Nectar loyalty card in Sainsbury's and pay with an Amex Nectar CC, you get 4 points for each £1 of purchases in store. I suppose of real advantage if you have a huge household to cater for and do most of your shopping at Sainsbury's.

The Nectar points are convertible at the rate of £2.50 for each 500 points. You can convert them at the till in Sainsbury's and get the money off your bill. There's a chidrens' clothes shop called Adams something (not my area!) and apparently they convert the Nectar points at £5 for 500 points - I believe! Better value.

As you already have a cashback CC, diving into Nectar may not be worth your while. But you can do some calculations perhaps with the info I've given, to see if in fact it could be.

PS - I started this post 30 minutes ago, did something else in the middle, went back to finish it off and hey presto I'm just repeating some of what grumbler has posted. Hope this explanation makes me appear less on the ball than might otherwise have been the case!