Compare Santander credit cards for November 2019

With an excellent all-in-one credit card and a selection of offers, not to mention the World Elite Mastercard, Santander could have the right card for you.

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Santander

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.

Wholly owned by Santander Group, the Spanish bank was established more than 150 years ago. These days, Santander offers its customers excellent deals on credit cards as well fee-free foreign spend on many of its cards, which is unusual among UK card issuers.

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Compare Santander credit cards

Table: sorted by representative APR, promoted deals first
Updated November 15th, 2019
Name Product Purchases Balance transfers Annual/monthly fees Rep. APR Incentive Representative example
0% for 12 months reverting to 18.9%
0% for 1 months reverting to 18.9%
£0
18.9% p.a. (variable)
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
0% for 3 months reverting to 18.9%
0% for 18 months reverting to 18.9%
£0
18.9% p.a. (variable)
Retailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
0% for 26 months reverting to 15.9%
0% for 26 months reverting to 15.9%
£3 per month
21.7% p.a. (variable)
0.5% after £1 of monthly spend. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a. with a fee of £3 per month, your representative rate is 21.7% APR (variable).
18.9%
18.9%
£30 per annum (fee paid is per business, not per card)
23.7% p.a. (variable)
1% after £1 of monthly spend. Cashback paid Monthly into Card Account.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of . All - Fee paid is per business, not per card: £30 per annum, your representative rate is 23.7% APR (variable).
0% for 18 months reverting to 18.9%
0% for 18 months reverting to 18.9%
£15 per month
49.8% p.a. (variable)
0.5% on £1 to £3000 of monthly spend. Maximum of £15 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 18.9% (variable) p.a. with a fee of £15 per month, your representative rate is 49.8% APR (variable).

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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

Types of Santander credit cards

Santander bundles several features into a single card, ensuring suitability to a range of circumstances and criteria.

  • 0% balance transfer cards

    Santander does not offer a balance transfer card by name, but the bank’s All in One Credit Card offers one of the longest balance transfer periods on the market – it’s a top balance transfer product. In addition to the generous 0% period, Santander also waives the usual balance transfer fee so you can move a credit card balance from a different bank and pay nothing for several years.

    Learn more about 0% balance transfer cards

  • 0% purchases credit cards

    If it’s an interest-free period on purchases that you need, pick the Santander Everyday Credit Card, which offers an exceptionally long 0% period on purchases. This card also offers a very long interest-free period on balance transfers, charging a modest balance transfer fee. Remember to always keep to your card’s terms and conditions, including any minimum payments, or you risk losing your promotional interest rate.

    Learn more about 0% purchase cards

  • All-rounder cards

    For a card that offers a long 0% period on both balance transfers and on card purchases, choose the Everyday Credit Card. In comparison, Santander’s All in One Credit Card offers only a short period of 0% interest on purchases. However, the All in One Credit Card does offer fee-free purchases abroad, so it’s worth considering which of these features would be of most value to you.

  • Overseas spending cards

    Santander is unusually generous when it comes to saving you money when you spend abroad. At the time of writing, all Santander cards with the exception of the Everyday Credit Card offer fee-free foreign spend. In addition, the Zero Credit Card offers fee-free cash withdrawals anywhere in the world. Use a qualifying Santander card while you travel and you will be charged at the Visa or Mastercard exchange rate on your transactions with nothing extra to pay.

  • Travel perks cards

    Available to qualifying Santander banking customers the Santander World Elite Mastercard offers a range of perks, including free Wi-Fi access at over a million hotspots and unlimited entry to a choice of 800 airport lounges courtesy of LoungeKey. You also get discounted travel insurance, access to a Mastercard concierge and cashback on purchases. To top it all off, the Santander World Elite Mastercard charges no foreign transaction fees on purchases made abroad.

What benefits can I get with a Santander credit card?

  • Rewards

    Your Santander card can reward you for everyday card spend. The Santander All in One Credit Card offers cash-back on all credit card spend, with no caps on the amount you can earn. Both the Everyday Credit Card and the Zero Credit Card offer generous cash-back benefits with select retailers. Finally, the World Elite Mastercard offers cash-back on all card spend but with a cap on the total amount of cash-back you can earn.

  • Mobile payments

    Link any of your Santander credit cards with Apple Pay or Android Pay and you can pay for goods and services with a simple tap of your phone, so you don’t have to carry your card with you everywhere you go.

  • Security features

    Santander maintains top security measures against a range of security threats, including a partnership with Mastercard SecureCode and Verified by Visa, which helps prevent unauthorised transactions. You also benefit from Santander’s automated fraud monitoring system that keeps a watchful eye on your card purchases.

  • Long periods of 0% interest

    At the time of writing, all the Santander credit card products, with the exception of the Zero Credit Card, offer a generous initial period of 0% in interest charges on either balance transfers or purchases. You can save a substantial amount by transferring existing balances or by making purchases on your new Santander card.

  • No charges on foreign expenditure

    Santander products are an excellent choice for the frequent traveller. Most of the Santander credit card products waive foreign currency conversion fees when you spend abroad. The Zero Credit Card also waives the usual cash machine fees when you use it to withdraw cash overseas.

How can I apply for a Santander credit card?

  1. Santander has a streamlined range of cards, but there remains a few key distinguishing features. Look at each card and decide which suits you best: do you need a long balance transfer offer, or are you better off with 0% interest on purchases?
  2. Consider the eligibility criteria for the card you want to apply for. Santander looks for individuals that have a good credit record and no history of county court judgements or individual voluntary arrangements.
  3. Complete the online application form accurately and you could have an answer within 15 minutes. Occasionally, an application is referred for manual evaluation, in which case you will have to wait a few days for an answer.
  4. If your application is approved your Santander credit card and PIN will arrive in the mail within 7 to 10 working days.

What supporting documents and information will I need?

Santander follows the standard credit card application process, so you will need your full personal details including recent address history and your employment details including your current income. Sometimes applications will result in a request for you to submit personal identification such as your passport and proof of address such as a letter from HMRC.

The bottom line

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.

Frequently asked questions

Got a Santander card but want to cancel it?

The NatWest Balance Transfer Credit Card (existing customers)
The NatWest Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

M&S Bank Shopping Plus Mastercard
M&S Bank Shopping Plus Mastercard

Balance transfers:

0% for 20 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

ASDA Money Cashback Credit Card Mastercard
ASDA Money Cashback Credit Card

Balance transfers:

0% for 12 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

The Royal Bank Balance Transfer Credit Card (existing customers)
The Royal Bank Balance Transfer Credit Card (existing customers)

Balance transfers:

0% for 23 months reverting to 19.9%

Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable) p.a., your representative rate is 19.9% APR (variable).

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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