Compare Santander credit cards

With an excellent all-in-one credit card and a selection of offers, not to mention the World Elite Mastercard, Santander could have a great card for you. Rates starting from 23.9% to 49.8%.

4.1 ★★★★★ (403 reviews) Write a review
Santander

Leave a review

Your review

Read Terms and Conditions here

Compare Santander credit cards

Table: sorted by length of 0% balance transfer offer, promoted deals first
1 - 5 of 5
Name Product Finder Score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
4.3
★★★★★
0% for 3 months reverting to 23.9%
0% for 26 months
(3% fee)
£0
23.9% APR (variable)
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Santander All in One Credit Card
4.5
★★★★★
0% for 15 months reverting to 23.9%
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 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 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
Santander Everyday No Balance Transfer Fee Credit Card
3.5
★★★★★
0% for 3 months reverting to 23.9%
0% for 12 months
(0% fee)
£0
23.9% APR (variable)
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
Santander Edge Credit Card Mastercard
4.5
★★★★★
23.9%
23.9%
(3% fee)
£3 per month
29.8% APR (variable)
Limited time offer: Switch to Santander Edge or Edge Up current account and get £175 cash. Existing Santander Edge current account customers can also receive £18 for opening a Santander Edge credit card between 21 May and 2 July 2024. T&Cs apply.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Go to site
Santander World Elite Mastercard
4.4
★★★★★
0% for 18 months reverting to 18.9%
0% for 18 months
(0% fee)
£15 per month
49.8% APR (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).
loading

Approval 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.

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. Most Santander credit cards offer a 0% balance transfer period, apart from the Santander Edge card. Remember to always keep to your card’s terms and conditions, including any minimum payments, or you risk losing your promotional interest rate.
  • 0% purchases credit cards. If it’s an interest-free period on purchases that you need, pick the Santander All in One Credit Card, which offers an exceptionally long 0% period on purchases. This card also offers a very long interest-free period on balance transfers, and there’s no balance transfer fee to pay. Again, it’s imperative 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 All in One Credit Card. In comparison, Santander’s Everyday Credit Card offers only a short period of 0% interest on purchases. Neither card has a balance transfer fee to pay but the All in One Credit Card has a monthly fee. Plus, the All in One Card offers fee-free purchases abroad, so it’s worth considering which of these features would be of most value to you when choosing a card.
  • 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 over 1,000 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 cashback on all credit card spend, with no caps on the amount you can earn. The World Elite Mastercard offers cashback on all card spend but with a cap on the total amount of cashback you can earn. Finally, all Santander credit cards offer generous cashback benefits with selected retailers. Simply switch on Retailer Offers in Online or Mobile Banking and earn up to 15% cashback with the offers you choose.
  • Mobile payments. Link any of your Santander credit cards with Apple Pay, Google Pay, Samsung Pay, Fitbit Pay or Garmin 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 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.

Can I use a Santander credit card abroad?

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.

What will my credit limit be?

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.

Is the Santander 123 credit card still available?

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.

Santander customer reviews

Santander ranked highly in our 2024 customer satisfaction survey, with 91% of Santander credit card customers saying that they’d recommend the brand to a friend. Many of its customers in our survey cited how reliable the company was, while others stated they had experienced “good customer service”.

However, Santander as a whole received a score of only 1.4 out of 5 on Trustpilot, with some reviewers there complaining about the standard of customer service (updated February 2024).

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.

Contact Santander’s customer support

Telephone support Call +44 1512 648 725. Available 24/7.
Report card lost or stolenYou 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’.

Overview of Santander credit cards

Representative APR From 23.9% to 49.8%
0% balance transfer offer Up to 26 months
0% purchases offer Up to 18 months
0% money transfer offer No money transfer offer available
Cashback with brand Up to 2%
Cashback elsewhere Up to 2%
Cash advance From 29.9%
Introductory bonus offer No introductory bonus offers available

Other frequently asked questions

Got a Santander card but want to cancel it?

Finder credit card ratings

★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor

Finder scores, in blue, are based on our expert analysis. We also show reviews from users, where we've received more than 10, with a score in yellow. We gather more reviews from customers every year in Finder's customer satisfaction survey.

To find out more, read our full methodology.

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. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

More guides on Finder

One Response

    Default Gravatar
    PeterFebruary 8, 2021

    Still use the old 123 cashback card. Are the 1 2 3% cashbacks available on Overseas purchases? ie. British supermarkets in the Canaries & Dept’ Stores in Cyprus?

Go to site