sainsburys vs tesco - can't decide

martyp

Hi all,

I'm really undecided about which of the two to apply for. Is the 1 month difference for 0% purchases the real big difference apart from collecting points?
I'm not transferring any balance, I would only be using it for new purchases.
Thing is I shop more at Sainsburys than Tesco and Tesco is also reducing their offers etc now aren't they?
I think the 1 month won't really make a huge difference as I'm planning to pay the balance off fully well within 12 months.
This bit also worries me:

"*You will receive 0% interest for the first 12 months from account opening for all

Sainsbury’s purchases." - does that mean the 0% wouldn't apply to any other purchases? Surely that isn't a catch as it does say on the front page 0% on all other shopping?!
I'd be using it on the continent but both seem to have the same rate for purchases abroad...
I think the only remaining thing might be the amount of points gained...
1 point per £5 on Nectar or £1 for £4 on clubcard
When I worked out how much I'd get for about £500 spend it was only about 100 points or so (about £1 cashback on £500 approx?)

Is there anything I'm missing? Has anyone had any difficulties applying for either due to income or anything?
I've had a Nectar card for ages which has been used regularly...

Also, how long is it likely to take for the card to come through if I applied today? I'm needing it for the weekend after next (6th/7th).

stephane_2

If you are going to use it abroad then I would go for the Sainsburys...it seems they don't have any withdrawal fee.
If you apply today, I doubt very much that you'll get the card & pin by next week, but most probably the week after and that is if you are accepted....

martyp

In a day of madness I applied for Sainsburys over the phone and then got the Tesco one online...
Sainsburys required you to post back a form, Tesco allowed you to complete the same form online so just issued out a pin code and card. I haven't done the consent form thing for Sainsburys as I think I just want the Tesco one. Do you think it would be easy to cancel the Sainsburys one at this stage?
Also the Sainsburys one I was told doesn't include nectar points as mentioned on here?
It seems to be the more expensive Sainsburys cards that do that?
They both seem to have 2.45% commission abroad except for the cards where you pay the monthly fee?

datostar

There's 2 different Sainsbury's cards ( not counting the new 'Gold' one). One gives you Nectar points on all purchases and 12 months interest free on Sainsbury's purchases only. The other one is for Nectar Card holders who have swiped their card at least once in the last 6 months, and gives 12 months interest-free on all purchases but no Nectar points. You need to be sure which one you're applying for.

martyp

datostar wrote: »

There's 2 different Sainsbury's cards ( not counting the new 'Gold' one). One gives you Nectar points on all purchases and 12 months interest free on Sainsbury's purchases only. The other one is for Nectar Card holders who have swiped their card at least once in the last 6 months, and gives 12 months interest-free on all purchases but no Nectar points. You need to be sure which one you're applying for.

I think that's something that confused me as I'm sure I read it was the Nectar card one which gives nectar points as well? I was a bit disappointed when they said over the phone it didn't...
The Tesco one does advise you get points though so I'll use that instead...