Santander Credit Cards Review

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 Zero Credit Card


No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency.
No cash withdrawal fees at home and abroad (interest is charged immediately on cash withdrawals and some independent ATM providers may charge a withdrawal fee).

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) your Representative APR will be 18.9% (variable).
Annual Rates
Balance Transfers: 18.9% p.a. (variable)
Cash Advance: 18.9% p.a. (variable)
Standard Features
Interest Free Days: Up to 56 days
On-Line Banking: Yes
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 Benefits

  • Rates are Subject to status. You will receive the exact rate and offer advertised if your application is accepted.

Credit Card Cashback

  • Retailer Offers: Welcome offers – get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers via Online or Mobile Banking.