This is a brilliant loyalty saving scheme that works. They have a professional site that encourages you to join Nectar. There is a variety of ways of collecting points which is stunning. When you join up to nectar credit cards you even get bonus points if you’re a loyalty scheme member - this is excellent. They offer excellent services and have a great customer support team if you ever need any help. They don’t have long terms and conditions to read either.

The application was a bit lenghy, and they asked more questions than normal. It did take quite a long time to complete it. Again once it had been sent off online, it took about a month to receive the relevant paperwork that i had to sign. It was a bit of hassle but i cannot complain about the interest rate i am getting and also the 0% balance transfer.

Took three weeks to process application,apparantly problem with computer system! No contact from customer services.Cashback not credited to edeals account.Have to supply all of my details including FULL card number to edeals so thay can chase up.Not very happy.

Best cards for reward points and programs. Customer service is good. They were a bit expensive before, but Amex credit cards are getting more competitive now.