Santander
Credit Cards Review

Compare Santander Credit Cards Compare Santander credit cards – read our review and compare the features and benefits available from Santander. We can help you to make an informed decision and find a card that suits you.

Santander Credit Cards offer some great features and benefits to help save you money. With an array of great 0% offers, some introductory and some for the life of the account, Santander credit cards stand out from the rest. These offers include:
  • 0% on balance transfer periods – allowing you to transfer the balance from your existing credit cards without paying any interest for the 0% period
  • 0% on purchases periods: allowing you to use your Santander Credit Card without having to pay interest for the specified period.
  • 0% foreign exchange fee: use your Santander Credit Card abroad and pay no fees
  • £0 annual fee: no account keeping fees
  • Competitive rates after introductory periods expire
  • Santander Credit Card Rewards – earn rewards for your spending with Santander Reward Cards

Santander 123 Cashback Card

Advice

Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

Introductory Offer
Balance Transfer Rate: N/A
Balance Transfer Fee: N/A
Purchase Rate: N/A
Representative APR
Purchases: 18.9% p.a. (variable)
Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).
Annual Rates
Balance Transfers: 15.9% p.a.
Cash Advance: 22.8% p.a.
Annual Fee: £24
Standard Features
Credit Limit: £16,000
Interest Free Days: Up to 45 days
On-Line Banking: Yes
Cashback
Standard Cashback Rate: 1-3%%
Approval Criteria
  • You are at least 18 years of age;
  • You have had a permanent UK address for at least the last 3 years;
  • You do not have a history of bad credit (in other words, county court judgements or bankruptcy);
  • You have an income in excess of £7,500.

Credit Card Cashback

  • Earn 1% Cashback at Supermarkets, Earn 2% Cashback at Department Stores, Earn 3% Cashback at Petrol Stations (£300 monthly spend cap applies).

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