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American Express :: Nectar Credit Card
Typical APR (variable)	19.9%
Annual rates for cash withdrawals	27.90%
Cash withdrawal charge	3.00%
Cash Withdrawal minumum fee	£3.00
Minimum salary required to apply	£30,000
Maximum interest free period	56 Days
Existing card debt transfer allowed
Travel/accident insurance	None
Purchase protection	90 days £50 to £20,000 subject to terms
Loyalty bonus/cash back	Nectar points
Annual Fee	None

Notes
Available to UK residents aged 18 and over with a minimum gross annual income of £30,000, subject to status. Balance transfers will incur a handling fee of up to 3% of the balance transferred. Apply now for your Nectar Credit Card and collect 5,000 Nectar bonus points when you spend £500 within the first 3 months of Cardmembership. For every £500 spent on your card, in any calendar month, you will collect 500 MorePoints on top of your usual base and bonus points. Collect 2 Nectar points for every full £1 spent at any Nectar partner and 1 point for every full £1 spent everywhere else. Earn 4 points per full £1 consists of collecting 2 points on your Nectar Credit Card and 2 points on your Nectar loyalty card at most participating Nectar partners. For BP, Expedia and Homebase, different points levels apply. See nectar.com for details. Nectar points are not earned on Balance Transfers unless stated otherwise. Benefits and services include Purchase Protection Insurance. Refund Protection. Online Fraud Protection. Optional repayment protection. Emergency Card Replacement. Account management available online. No annual fee. Interest free period of up to 56 days for purchases if you pay your balance in full and on time. Interest on cash withdrawals will be charged on a daily basis from the date of the transaction until repaid in full. Interest on balance transfers will be charged on a daily basis from the date transaction is debited to your account until repaid in full. For full details of how payments received are applied to your account please refer to the credit card agreement terms and conditions. Default charges are £12 for late payments, returned payments or if you go over your credit limit. See terms and conditions for more details.