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Nectar is the nation's most popular loyalty programme and it's free to join.
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Nectar Credit Card logo

Representative 25.0% APR variable

Based on annual fee of £25 and assumed credit limit of £1,200. Interest rate for purchases 19.9% p.a. variable.

Collect points faster with The Nectar Credit Card

  • Collect 10,000 bonus points if you spend and charge £1,000 in the first three months of Cardmembership1
  • Collect 2 points per full £1 spent on your Card virtually everywhere, at home and abroad2
  • Collect up to 4 points per full £1 spent when you use your Nectar Credit Card and Nectar card at participating partners3
  • £25 Annual Fee

Apply online now

How to collect points with the Nectar Credit Card

  1. Complete the online application form
  2. If approved, you'll receive your Card in seven to ten working days
  3. Start to collect points on your everyday purchases

Benefits with Hertz

Benefits with Hertz

With the Nectar Credit Card, you'll also receive a 15% discount on full price car rentals and complimentary entry into Gold Plus Rewards4

Benefits with American Express®

Benefits with American Express®

From priority tickets to protection on your purchases, you'll get a range of great added benefits. See the "About" section below for more.

  • About
  • FAQs
  • Terms & Conditions

With The Nectar Credit Card you'll also get multiple benefits from American Express:

  • Preferred Seating from American Express, giving you access to some of the best shows and tickets in town5
  • Refund Protection within 90 days of purchase if a UK based retailer refuses you a refund6
  • Purchase Protection, covering eligible items you purchase against accidental damage and theft for 90 days6
  • Online fraud guarantee, protecting you against any unauthorised online charges7
  • Global Assist®, providing help when you travel outside the UK, in your own language, 24/7
  • Complimentary Supplementary Card for a family member, so you can collect even more Nectar points when they use your Card
  • Manage your account easily online or on the go.

How do I collect points with the Nectar Credit Card?

You'll simply collect points every time you use your Card.

How long does it take to get my points?

All points collected by using the Nectar Credit Card are totalled and displayed on your monthly statement. The points will then be added to your Nectar account within five days of the statement date.

How many Nectar points can I collect?

You collect 2 points for every full £1 spent on the Card virtually everywhere, and extra points for shopping with selected Nectar partners when used together with the loyalty card. See above for more information.

Is there anything that I can't collect points on with the Nectar Credit Card?

There are some exclusions from American Express, see terms and conditions to find out more.

How can I make sure I collect the maximum amount of Nectar points?

Use your Nectar Credit Card and collect 2 points per every full £1 you spend virtually everywhere and collect up to 4 points per full £1 spent when you use your Nectar Credit Card and Nectar card at participating partners.

How do I know if I am eligible for a Nectar Credit Card?

American Express® has a checklist to work through before you begin the application process, to make sure you qualify for a Card account.

Where can I see full interest rates, repayment information, fees and charges?

American Express® has a full summary box which contains all of this information.

Standard Terms and Conditions

Applicants must be 18 years old or over. Approval is subject to status and terms and conditions apply. Aimia Coalition Loyalty UK Ltd, registered in England and Wales (company number 04236999) is an introducer appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited. The Nectar Credit Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom registered in England and Wales, Company Number 1833139, and authorised by the Financial Services Authority under the Payment Services Regulations 2009 (reference number 415532) for the provision of payment services. American Express Services Europe Limited is an appointed representative for insurance mediation activities only, of American Express Insurance Services Europe Limited (reference number 311684) who is authorised and regulated by the Financial Services Authority. Details can be found on the FSA Register. American Express Services Europe Limited also subscribes to the Lending Code which is monitored and enforced by the Lending Standards Board and is licensed by the Office of Fair Trading for the provision of credit products and related services.

Offer Terms and Conditions

  1. If you are approved for the Nectar Credit Card you will receive 10,000 Nectar bonus points when you spend and charge a minimum of £1,000 to the account within the first three months of the account opening. All introductory offers are subject to change, can be withdrawn at any time. Nectar points are not collected on Balance Transfers, Cash Advances, American Express Travellers' Cheques purchases, Foreign Exchange transactions, interest, any spending in excess of your credit limit, charges for returned payments, late payment or referral charges and American Express Credit Card finance charges.
  2. For purchases made with your Card at warehouse retailers (e.g. Costco) in the United Kingdom, you will collect points at the rate of 1 point for every full £1 spent
  3. 4 points per full £1 spent consists of collecting 2 points for every full £1 spent and charged on your Nectar Credit Card (except for purchases made at warehouse retailers in the United Kingdom where you will earn Points at the rate of 1 point for every full £1) and 2 points on your Nectar loyalty card at participating Nectar partners. For BP, eBay, Expedia, Homebase and Vision Express different points levels apply as the base earn rate on the loyalty card varies. See nectar.com for details.
  4. Go to Hertz.co.uk/amex to create your account and take full advantage of these great benefits. Hertz terms and conditions apply
  5. All tickets must be purchased using your Nectar Credit Card and are subject to availability. Preferred Seating refers to the name of the American Express programme rather than a description of ticket type. Additional terms and conditions may apply to the purchase of tickets.
  6. American Express Services Europe Limited ("ESEL") makes various benefits available to Cardmembers which derive from contracts which AESEL has made with third parties. AESEL is free to amend, extend or terminate these benefits at its sole discretion. These benefits do not form part of AESELs contract with you but AESEL will provide reasonable notice, in any event no less than 30 days, in advance of any changes to the available benefits which may be to your detriment. One of the benefits currently available is the benefit of contracts of insurance held by AESEL with certain insurers. You will lose these benefits if you cease to be a Cardmember. Terms and conditions and exclusions apply. Details can be found on the American Express website.
  7. When you use your Nectar Credit Card you will not be held responsible for unauthorised charges online.

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