Credit Card (UK)

Nectar Credit Card review: earn points on all purchases

Are you looking for a card that gives you points on all purchases? Then, read this Nectar Credit Card review to find out how this AMEX works.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Partner Offer through CreditCards.com

Nectar Credit Card: up to 3X points on purchases

This credit card might be what you are looking for. Source: The Mister Finance.
This credit card might be what you are looking for. Source: The Mister Finance.

An AMEX is always a good choice, but you will see on this Nectar Credit Card review if this particular AMEX is worth considering.

Nectar Credit Card

How to apply for the Nectar Credit Card?

Check out how to apply for a Nectar Credit Card and start earning up to 3X points on eligible purchases at no annual fee in the first year.

First of all, the card waives its annual fee in the first year. Then, the benefits compensate for the fee charged.

Credit ScoreGood – Excellent 
APR34.3% (representative and variable);28.8% on purchases (variable)
Rates & Fees
Annual Fee£25 (£0 in the first year)
Rates & Fees
FeesCash advance: 3% (£3 minimum)
Balance and money transferFee: 3% of the amount of the transfer
Copy statement fee: £2 for each additional copy
Foreign usage: non-sterling transaction fee – 2.99%
Late Payment: £12
Returned Payment: £12
Rates & Fees
Welcome bonus20,000 bonus Nectar points after spending £2,000 within three months
*Terms Apply
Rewards3X Points for each £1 spent on spending at Nectar partners;
2X Points for each £1 spent on purchases
*Terms Apply 

Furthermore, you will earn up to 3X points on eligible purchases, besides the generous welcome bonus.

How does the Nectar Credit Card work?

American Express is always a good choice when it comes to credit cards. The many options available make it hard to choose the best, though.

So, today, on this Nectar Credit Card review, you will find out about a reasonable option if you are looking for rewards, a welcome bonus, and competitive rates and fees.

Firstly, Nectar features an introductory bonus of 20,000 points once you spend £2,000 in the first three months of Cardmembership.

Also, you will earn the following:

  • 3X Points for each £1 spent on spending at Nectar partners;
  • 2X Points for each £1 spent on other purchases.

In addition, you may earn 5,000 points after inviting a friend if they are approved.

The redemption program is flexible, and you get other advantages as follows:

  • Purchase and Refund Protection;
  • American Express Offers and Experiences;
  • Global Assist®;
  • Fraud Guarantee.

On the other hand, you may watch out for the fees and rates, although they are competitive compared to other similar cards.

Lastly, to be eligible, you must be at the age of majority and living in the UK. Plus, it is important not to have a history of bad debt.

Nectar Credit Card benefits

Nectar has some special rewards waiting for you. Source: Nectar.
Nectar has some special rewards waiting for you. Source: Nectar.

Even though the card comes with an annual fee, the advantages offered overcome possible costs.

Additionally, the fee is waived in the first year.

Pros

  • The card offers up to 3X points on eligible purchases;
  • It features a generous welcome bonus;
  • The annual fee is waived in the first year;
  • The card gathers travel perks, assistance, fraud protection, and more.

Pre-approved credit cards for low credit score available now

We analyzed your profile and found some offers that you can apply for today.

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Cons

  • There is an annual fee after the second year;
  • The higher tier of rewards is limited to eligible purchases.

How good does your credit score need to be?

Although the information is not fully disclosed, American Express usually requires good creditworthiness in the application.

Moreover, it is crucial to check the eligibility requirements before applying.

How to apply for a Nectar Credit Card?

If you want to accumulate points to redeem at the Nectar partners, learn how to apply for a Nectar Credit Card.

Nectar Credit Card

How to apply for the Nectar Credit Card?

Check out how to apply for a Nectar Credit Card and start earning up to 3X points on eligible purchases at no annual fee in the first year.

Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more

Partner Offer through CreditCards.com

About the author  /  Aline Augusto

My name is Aline Mesquita; I'm a writer here on the blog, where I write about finance in general and other subjects. I have been working with content creation for ten years. Also, I'm post-graduated in Project Management, with expertise in SEO practices. Currently, I am studying finance, market trends, and cryptocurrencies.

Reviewed by  /  Aline Barbosa

Senior Editor

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