To make comparing even easier we came up with the Finder Score. Costs, perks and suitability across 120+ cards are all weighted and scaled to produce a score out of 10. The higher the score the better the card – simple.
Read the full methodologyApproval for any credit card depends on your status. The APR shown represents the interest rate offered to all successful applicants. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.
Wholly owned by Santander Group, the Spanish bank was established more than 150 years ago. These days, Santander offers its customers good deals across five cards with some allowing fee-free foreign spending – which is unusual among UK cards.
You can take advantage of one of the longest 0% balance transfer periods on the market and pay nothing towards transferring your balance with Santander. As one of the leading credit card providers in the UK, Santander offers a range of eye-catching benefits with its credit cards.
Santander bundles several features into a single card, ensuring suitability to a range of circumstances and criteria.
Santander follows the standard credit card application process, so you’ll need your full personal details including recent address history and your employment details including your current income. Although it’s unusual, some applications can result in a request for you to submit additional documents.
Santander operates on the Mastercard network which means your card is accepted all around the world. If you travel inside the EU, you don’t need to notify Santander, but do contact the bank if you are travelling outside the EU so that customer service can leave a note on your account in case automated fraud monitoring triggers an alert.
When you spend in a foreign currency using a credit card, a currency conversion fee may apply. Impressively, many of the credit cards in Santander’s range waive this fee. We’ve outlined the interest and fee structure of each Santander card in our reviews.
Credit limits are tailored to the individual and your personal limit will be determined by Santander when you apply for a credit card.
In some cases, card issuers will declare a minimum and maximum possible credit limit for each product. The Santander World Elite Mastercard, for example, has a relatively high minimum credit limit of £2,000.
The Santander 123 credit card isn’t available for new customers and was discontinued in 2016. The 123 credit card was replaced by the All in One card but existing customers can still use the card. The All in One card offers a lower flat cashback rate of 0.5% on all your spending.
90% of customers we surveyed in 2026 would recommend Santander to a friend.
It offers a stable, reliable credit card with a strong focus on security and customer support. Users appreciate the proactive fraud protection and the cashback available on specific purchase types.
However, overall satisfaction is slightly dampened by recent reductions in perks and benefits. While the customer service team is generally described as friendly and helpful, some customers noted that call wait times could be improved.
AI-generated summary from the text of customer reviews on Finder.
Exceptional balance transfer offers and fee-free foreign spend on many of the Santander cards means that you could apply for a Santander card which meets all of your personal requirements in a single product. A solid track record in personal banking and excellent security measures makes Santander one of the most popular and reliable choices for a credit card.
| Telephone support | Call +44 1512 648 725. Available 24/7. |
|---|---|
| Report card lost or stolen | You can report a lost or stolen card via the app. Log into the app, click ‘More’, then ‘Cards’ and choose the card you want to report. Click ‘Report as lost, stolen or damaged’. |
| Representative APR | From 24.9% to 49.8% |
|---|---|
| 0% balance transfer offer | Up to 34 months |
| 0% purchases offer | Up to 18 months |
| 0% money transfer offer | No money transfer offer available |
| Cashback | Up to 0.5% |
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