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Nectar Credit Card from American Express

Nectar Credit Card from American Express

? customer score 73%

Represent­ative APR (variable) Purchase interest p.a. Cash withdrawal APR Annual card fee
The interest rate for borrowing that at least 51% of the customers accepted will pay.
The annual interest rate you'll pay on new purchases.
The interest rate you'll pay on cash you withdraw from an ATM.
The fee you'll pay for having the card each year, if any.
25.0% APR 19.9% 27.9% £25
  1. This credit card has a high representative APR of 20% or more so borrowing with this card is expensive compared to others.

Reward scheme details

20,000 bonus Nectar points welcome offer when you spend £2,000 in the first 3 months. Collect up to 4 Nectar points for every full £1 spent at Nectar partners, 2 points for virtually every full £1 spent on the Card. Purchase and refund protection. Manage your account online. For the first 12 months the annual card fee of £25 is free. Terms and conditions apply.

Representative Example
Assumed borrowing of £1,200 for 1 year, at a Purchase Rate of 19.9% (variable), with a £25 annual fee, representative 25.0% APR (variable). Credit available subject to status.

American Express customer satisfaction scorecard:

How do we work this out?
Keeping you up to date with new deals Transparency of charges / penalties Online account management Customer service Overall customer score

73%

Good

We have not been able to rate this provider as our customer satisfaction survey didn't generate a big enough sample of its customers but we aim to rate as many providers as possible

Eligibility to open an account

Can be used for building credit rating No
Minimum income required to open account Not provided
Opening account is by invitation only No
Account is for existing customers only No
Further notes about eligibility N/A
Minimum age to open an account 18

Intro balance transfers

Rate period 0 months
Annual interest N/A
Fee N/A
Fee min N/A
Fee max N/A
Limit period days N/A

Intro purchases

Rate period 0 months
Annual interest N/A

Standard balance transfers

Annual interest 19.9%
Fee 3.0%
Fee min N/A
Fee max N/A

Standard purchases

Annual interest 19.9%

Standard cash

Annual interest 27.9%

Other features

Repayment details

Maximum interest free days (purchases) 56
Days to pay 25
Monthly payment min % 2.0%
Monthly payment min £ £25

Card charges

Returned payment fee £12
Late payment £12
If you exceed credit limit £12

Foreign usage

Foreign usage fee (Europe) 2.99%
Foreign usage fee (worldwide) 2.99%

Cash withdrawal fees

Charges for cash withdrawals Yes
Cash withdrawal percent 3.0%
Minimum charge £3

Available to manage

Online Yes
Branch No
Telephone Yes

Reward schemes

Reward is charity donation No
Reward is cash back No
Reward is Airmiles No
Reward is points Yes
Reward is vouchers No
Reward is travel No
Reward is Avios No
Reward is discount No

Repayment note

If you do not pay the total outstanding balance in full by the payment due date, the amount you pay will be allocated to higher interest rate balances before lower interest rate balances. Where fees and charges are payable, your payment will be allocated to the interest rate applicable to these fees and charges relating to any higher interest rates first.