Bag more points wherever you shop with the American Express® Nectar Credit Card


  • If you're a new American Express Nectar Credit Cardmember, you can collect 20,000 Nectar points when you apply for the American Express Nectar Credit Card and spend £2,000 in the first three months of Cardmembership1


  • Collect a minimum of 3 points2 when you shop using your Credit Card and use Nectar at a Nectar partner


  • Collect 2 pointsfor every £1 spent on your Credit Card everywhere else


  • Recommend to a friend and you’ll receive 5,000 bonus points, once they’re approved4


  • Bag 3,000 bonus points when your Supplementary Card application is approved5


On average, Cardmembers collect 17x more points compared to a regular Nectar collector.^

That gives you loads of points to spend on whatever you want, whether your after a new TV, want to splash out on your next weekly shop or finally book that family staycation you’ve been craving.


Representative Example: Representative 37.8% APR variable.

Based on annual fee of £30 (£0 in the first year)3 and assumed  limit of  £1,200. Interest rates for purchases 31.0% p.a.variable. Your interest rates will change in line with the Bank of England base rate. Please click here for more information. T&Cs apply.

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Turn Nectar points into treats

Get some inspiration on where you could spend your points.


 =  At least £100 off your shopping with Sainsbury's, ArgosEurostar and Caffè Nero. Or, convert to Avios with British Airways.


Rewards are meant for sharing

Spread the word and recommend the American Express Nectar Credit Card to your nearest and dearest. We'll treat you to 5,000 bonus points4 for each friend you bring on board once they're approved.

Refer a friend now

Complimentary Supplementary Cards

Apply for Supplementary Cards5 for friends and family and you can bag 3,000 bonus Nectar points when your application is approved. Plus, they’ll collect points every time they spend on the Supplementary Card & their points will be added to your account. Subject to application and approval.

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World class service

As you might expect from American Express, the service is a little bit special. The first person to answer your call will be your contact until the matter is resolved. You can phone, text or email us 24/7 and we’ll get on it right away. But that’s just the start.

• Want to pay at your own pace? Spread the cost of your purchases into equal monthly payments with Plan It™ Instalment Plans. Log in to your Amex® App to find out more.

• Global Assist® provides help when you travel outside the UK, in your own language, 24/7.

• Eligible items you buy on your Card in the UK have Refund Protection6. Items are covered up to 90 days and we'll replace or refund up to a maximum of £200. Even if the retailer won't.

• You also get Purchase Protection6. If you bought it on your card and it's stolen or damaged within 90 days, we'll replace or repair it, or refund you up to £2,500 per eligible item.

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Important information


Please ensure that you have read and downloaded these important documents before starting your application.

Read Terms and Conditions

Read Summary Box

Read Pre-Contract Credit Information 

Read Insurance

Cardmember Privacy Statement



American Express Nectar Credit Card Terms & Conditions

120,000 bonus points will be added onto your Account once you have been approved and a minimum of £2,000 has been spent and charged to the Account within three months of Account opening. All introductory offers are subject to change, can be withdrawn at any time. This new Cardmember offer is only available if you have not held a personal American Express Card within the previous 24 months. If you have held a personal American Express Card within the previous 24 months, you will be entitled to all other Card benefits excluding the welcome offer.

2Collect 2 points for every £1 spent on your American Express Nectar Credit Card (except for purchases made at warehouse retailers in the United Kingdom where you will collect points at the rate of 1 point for every full £1) and a minimum of 1 point on your Nectar card at most participating Nectar partners. Different points levels apply as the base collect rate on the Nectar card varies with different partners. See for details.

3The annual Card fee is £30. You will receive the first year of Cardmembership with £0 annual fee. From year two of your membership, a £30 annual fee will automatically be charged to your Account on or after the anniversary of your Account opening date. The first year fee waiver is only available to new American Express Nectar Credit Cardmembers.

4 American Express Referral Programme Terms

If you are eligible to participate in the Referral Programme, you may refer as many friends or family members as you wish but there are annual limits on the rewards you can collect through referrals. Please visit and to find out more.

Please only refer friends and family who are happy to receive information from American Express.

You can collect up to a maximum of 90,000 bonus Nectar points. Your friend must apply via the link you share with them to ensure you both receive your bonus. All introductory offers are subject to change and can be withdrawn at any time. Your friend will receive rewards depending on the Card they choose and their spend on this Card.

Your Card Account's eligibility to participate in the Referral Programme is based on your overall credit rating and other factors including your Account history with American Express.

If payments to your American Express Nectar Card Account are not kept up to date, you could lose your bonus points.


5Supplementary Cards

The term additional refers to the American Express Supplementary Card programme.

Your Supplementary Cardholder will have access to the Amex Offers programme. In order for them to use an Offer, they (Supplementary Cardholder) must save the Offer to their own Card Account. To do this, they can go to the American Express App, find an offer in the Offers tab and click “Save to Card.” Offer only applies to spend settled in Great British Pound (GBP) on the Card to which the offer is saved, including an American Express Card loaded into a mobile payment wallet, Offer does not apply to spend on other Cards you might hold and is not valid for transactions made using Payment Aggregators. For more information please visit:

Insurance benefit only available on select Cards. Please read your terms and conditions for further information.

The bonus Nectar points offer is valid for the first approved Supplementary American Express Nectar Credit Card only. Please note, in rare circumstances it may take up to 90 days for the 3,000 Nectar points to be applied to your Account. You may apply for up to 5 Supplementary Cards but you will only receive the 3,000 Nectar points for the first Approved Card. You will not receive this bonus if you have received it before. This offer is subject to change and may be withdrawn at any time.

You are entitled to 5 complimentary Supplementary Cards on the American Express Nectar Credit Card, subject to approval. Supplementary Cards can be requested for friends and relatives that are aged 18 or over and reside in the United Kingdom. If approved, you will be responsible for any spending on your Account made by the Supplementary Cardmember.

Important Information

• Your friend or relative will not be eligible to receive any welcome bonus offer if they hold or have held any personal American Express Cards in the past 24 months.

6Subject to enrolment, for more information click here. Terms and Conditions apply. Please see the Insurance Terms and Conditions for full details. Please read this to understand the limits and exclusions that may apply.


^17x more points is based on the average Nectar points collected in a year by an active American Express Nectar Credit Cardmember, divided by the average Nectar points collected in a year by an active Nectar customer. This statement is true as of January 2024.


Applicants must be aged 18 years old or over, earn at least £20,000 per year and have a permanent home address in the United Kingdom. Approval is subject to status and Terms and Conditions apply. For full Terms and Conditions click here or call 0800 917 8015. Nectar 360 Ltd, registered in England and Wales (company number 4224736) is an introducer appointed representative of American Express Services Europe Limited. The American Express Nectar Credit Card is offered by American Express Services Europe Limited registered office: Belgrave House, 76 Buckingham Palace Road, London, SW1W 9AX, United Kingdom. It is registered in England and Wales with Company Number 1833139 and authorised and regulated by the Financial Conduct Authority.