Personal Pricing

As we treat all our customers and their applications on an individual basis, the APR and the interest rate we offer are determined by the details you supply, along with an independent verification of your credit and repayment history.

BACB Nectar Credit Card

For the first 15 months from account opening you will get 0% on all purchases. You will also get 0% for the first 15 months from account opening on balance transfers (a fee of 3% applies for each balance transfer).Thereafter, your personal APR will be either 16.9% APR (variable), 19.9% APR (variable), or 22.9% APR (variable). At least 51% of customers are offered our best and representative rate of 17.9% APR (variable).

Representative Example
Purchase rate is 16.94% p.a. variable, with a representative 16.9% APR variable based on borrowing £1,200 and repaying over 12 months.

BACB Nectar Low Rate Credit Card

Your personal APR will be either 7.8% APR (variable), 9.9% APR (variable), or 11.9% APR (variable). At least 51% of our customers are offered our best and representative rate of 7.8% APR (variable).

Representative Example
Purchase rate is 7.84% p.a. variable, with a representative 7.8% APR variable based on borrowing £1,200 and repaying over 12 months.