Credit Card Eligibility Calculator TM

Find which credit cards you're most likely to be accepted for – protecting your credit score

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Sainsburys Long BT

Will you get it?

18.9%
Rep APR

Will you get it?

18.9%

Rep APR

Sainsbury's 42 months 0%, 2.3% fee

Long 0% card, will definitely get full 0% period if accepted
Click here for full card info

This Sainsbury's Bank card offers 42 months 0% on balance transfers for a relatively low fee for this length of 0% card.

Need-to-knows
  • If you're accepted, you'll definitely get the full 42mths at 0%. Sainsbury's isn't one of the lenders that will accept you, and then offer fewer 0% months.
  • After the 0% period ends, it’s 18.9% interest. But poorer credit scorers will get either 21.9%, or 28.9%.
  • You'll be charged an initial fee of 4% of the amount transferred, then Sainsbury's Bank will credit back 1.7%, so the effective fee is 2.3%.
  • If you transfer your balance after the first three months you'll pay a lower 3% fee but will pay 18.9% interest.
  • Balance transfer length & fee: 42 months, 2.3% fee (min £3)
  • Minimum payment: Greater of 1% of balance plus interest, 2.25% of balance or £5
  • Min income: N/A | Card issuer: Mastercard | 0% balance transfer time limit: Three months
  • A nonsense piece of regulation means we have to tell you if you were to spend £1,200 at an annual interest rate of 18.95% (variable) your Representative APR would be 18.9% (variable).

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Good news! Unlike applying, which usually leaves a hard search on your credit file and can hurt your future credit worthiness, our eligibility calculator uses a soft search. We use this to find out how likely you are to be accepted. You see the soft search on your credit file, but lenders don't, so it has no credit impact. Use this calculator to home in on the card you're most likely to get.

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