Compare Santander credit cards for January 2020

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.

Compare Santander credit cards

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Name	Product	Purchases	Balance transfers	Annual/monthly fees	Rep. APR		Incentive	Representative example
Santander Zero Credit Card Mastercard		0% for 12 months reverting to 18.9%	0% for 1 months reverting to 18.9%	£0	18.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Santander Everyday Credit Card Mastercard		0% for 3 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£0	18.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Santander All in One Credit Card Mastercard		0% for 26 months reverting to 15.9%	0% for 26 months reverting to 15.9%	£3 per month	21.7% (variable)	More Info	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).	Compare	loading Fetching your data...
Santander World Elite Mastercard		0% for 18 months reverting to 18.9%	0% for 18 months reverting to 18.9%	£15 per month	49.8% (variable)	More Info	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).	Compare	loading Fetching your data...

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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.

• 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.

• All-rounders

  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

  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.

• Fee-free non-sterling transactions

  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’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.

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.

Other frequently asked questions

• Are there any annual or monthly fees for Santander cards?

  While you receive a lot of benefits with a Santander card, some Santander credit cards have a modest monthly card fee. Look at the benefits you receive with the card and decide whether these will compensate you for the monthly fee, which is likely to happen if you regularly use the card. If you prefer not to pay a monthly card fee you can apply for the Everyday Credit Card or the Zero Credit Card.

• Will the interest rate on my Santander card change?

  Outside of any promotional introductory periods, your Santander credit card has a variable interest rate. That means it can be adjusted – typically in line with Bank of England rates. If you misuse your card you could lose your access to any 0% deals. However, as long as you keep within the terms of your credit card agreement any balance transfers or purchases made under a 0% interest deal will stay interest fee for the duration of that deal.

• How are repayments to my card allocated?

  It is likely that different balances on your card will carry different interest rates – you may have a 0% rate on a balance transfer, for example. Santander will allocate repayments to the part of your balance with the highest interest rate first to help you minimise interest charges.

• Can I add additional cardholders to my Santander credit card account?

  Each Santander card comes with the option of adding up to three additional cards to your account. This way your partner or family members can share the benefits associated with the card, including any cash-back offers or travel perks.

• I have a Santander Mastercard credit card. Can I access Priceless Cities?

  All Mastercard credit cardholders are entitled to use their Priceless Cities rewards programme which offers access to exclusive experiences and discounts.

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