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

  • 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 2 points for every £1 spent wherever you use your Credit Card.


  • Even more points when you shop with one of our 340 Nectar partners and link your Nectar Account. You'll receive a minimum of 3 points for every £1 spent. 


  • Complimentary Supplementary cards for a family member, so you can collect even more points


On average American Express® Nectar Credit Cardmembers earn 9x more points^ than collectors without the Credit Card.


Representative Example: Representative 29.8% APR variable.

Based on annual fee of £25 (£0 in the first year3) and assumed  limit of  £1,200. Interest rates for purchases 24.5% 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, Argos, eBay, Sky StoreEurostar and Caffè Nero


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 could collect Nectar points even faster. They’ll collect Nectar points every time they spend on their Card just like you do, but their points will be added to your account so how you spend them is up to you. 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.

• 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. “I understand that I will not be eligible for any welcome bonus offer if I hold or have held any personal American Express Cards in the past 24 months”.

2Collect 2 points for every £1 spent 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 a minimum of 1 point on your Nectar loyalty card at most participating Nectar partners. Different points levels apply as the base earn rate on the Nectar loyalty card varies with different partners. See for details.

3The annual Card fee is £25. You will receive the first year of Cardmembership with £0 annual fee. From year two of your membership, a £25 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 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 earn 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 earn 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 are complimentary. Supplementary Cards are subject to approval and can be requested for anyone aged 18 or over. If approved, you will be responsible for any spending on your Account made by the Supplementary Cardmember.

Important Information

• Your friend 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.


^9x customers based on the average points earned within a 12 month period for Nectar American Express Credit Card collectors compared to the remainder of the Nectar collector base. This statement is true as of March 2020.

Applicants must be 18 years old or over. 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 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.