Santander Everyday Credit Card Mastercard Review April 2019

Santander Everyday Credit Card Mastercard
Santander Everyday Credit Card Mastercard

A competitive balance transfer card that earns you cashback as you shop.

The Santander Everyday Credit Card Mastercard is primarily a balance transfer card, offering a long interest-free period on your existing credit card debt when you bring it across to Santander. There’s no fee to transfer your balance, and there’s also an introductory interest-free period on purchases.

If you opt for this card, be sure to sign up to the Retailer Offers scheme, which gives you cashback from major retailers.

IssuerSantander
NetworkMastercard
Annual/monthly fees£0
Balance transfers0% for 18 months reverting to 18.9%
Balance transfer fee0% for 18 months reverting to 3% (min. £5)
Purchases0% for 3 months reverting to 18.9%
Purchases interest-free periodUp to 56 days
Cash advances29.9%
Min. credit limit£500
Max credit limitNot specified
Additional cards available3
IncentiveRetailer offers - 5 Welcome offers of up to 25% cashback at well-known retailers (must switch on Retailer Offers within 60 days of activating card).
Annual/monthly fees£0
Balance transfer fee0% for 18 months reverting to 3% (min. £5)
Foreign usage charge (EU)2.95%
Foreign usage charge (rest of world)2.95%
Cash advance fee3% (min. £3)
Late payment fee£12
Duplicate statement fee£0
Exceeding limit fee£12
Additional card fee£0
Dormancy fee£0
Minimum Age18
Minimum income£7,500
ResidencyUK Resident
AvailabilityAvailable to new customers
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).
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How does this card compare with other similar cards on the market?

Comparison ordered by representative APR with affiliated products shown first.
Updated April 19th, 2019
Name Product Balance transfers Balance transfer fee Purchases Rep. APR Incentive Representative example
0% for 20 months reverting to 19.9%
2.9% (min. £5)
0% for 20 months reverting to 19.9%
19.9%
Earn 1 point for every £1 spent at Marks and Spencer's and 1 point for every £5 spent elsewhere. 100 points = £1 reward voucher. Points will be converted into reward vouchers 4 times a year.
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).
0% for 12 months reverting to 19.9%
3% (min. £3)
19.9%
19.9%
Earn Asda vouchers every time you shop - 1% cashback on all Asda spend, 0.2% on all other transactions and 10% on selected insurance products. Once £2.5 is earnt a voucher can be downloaded to spend in Asda stores.
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).
0% for 28 months reverting to 19.9%
1.75% for transfers in first 60 days
0% for 6 months reverting to 19.9%
19.9%
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices. Save 5% on food and drink at all UK 02 Academy venues.
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).
0% for 20 months reverting to 19.9%
0% for transfers in first 60 days
0% for 6 months reverting to 19.9%
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).
0% for 27 months reverting to 19.9%
2.7% for transfers in first 60 days
0% for 27 months reverting to 19.9%
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).
0% for 26 months reverting to 19.9%
1.5% for transfers in first 60 days
0% for 6 months reverting to 19.9%
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).
0% for 12 months reverting to 15.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 15.9%
15.9%
Representative example: When you spend £1,200 at a purchase rate of 15.9% (variable) p.a., your representative rate is 15.9% APR (variable).
0% for 12 months reverting to 17.9%
0% for 3 months reverting to 2.4% (min. £5)
0% for 12 months reverting to 17.9%
17.9%
Customers will be able to earn commission-free purchases abroad by using their Credit Card each time they make a purchase in Sterling. The calculation will be based on a 5:1 ratio - for example, £5 spent in Sterling will earn an allowance of £1 commission free-purchases abroad. Purchases abroad beyond the earned amount will be charged 2% commission.
Representative example: When you spend £1,200 at a purchase rate of 17.9% (variable) p.a., your representative rate is 17.9% APR (variable).
0% for 20 months reverting to 18.9%
3% (min. £3)
0% for 3 months reverting to 18.9%
18.9%
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 18 months reverting to 18.9%
2.9% (min. £5)
0% for 9 months reverting to 18.9%
18.9%
Earn 1 point for every £1 spent in store or online at John Lewis, Waitrose and John Lewis Insurance. Earn 1 Point for every £2 spent elsewhere. Vouchers issued once customer reaches 500 points in Feb, Jun or Oct when vouchers are automatically issued to customers. Every 500 points is worth £5.
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 up to 4 providers

Repayment options

When it comes to repayments, you can make manual repayments online or over the phone (0800 389 9905), or alternatively set up a direct debit. A direct debit is a great idea because it protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee or losing any promotional rates as a result. You can arrange a direct debit for repayments when you apply for the credit card. The table below shows the options available.

Choose from the following direct debit options for your monthly repayments:
Minimum amount Fixed amount Fixed percentage Full amount

How to apply for the Santander Everyday Credit Card Mastercard

If you’ve compared cards and want to apply, completing the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

*Disclaimer: The offers compared on this page are chosen from a range of products finder has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms "Best", "Top", "Cheap" including variations, are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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4 Responses

  1. Default Gravatar
    TraceyMarch 25, 2019

    Can I get a credit card

    • finder Customer Care
      nikkiangcoMarch 26, 2019Staff

      Hi Tracey,

      Thanks for getting in touch! To know how to get a Santander credit card, the basic requirements lists:

      1. Minimum age of 18
      2. Minimum income £7,500
      3. UK Resident

      To apply, complete the secure online application form takes about 15 minutes. Before you apply, check that you meet the eligibility requirements and have the information and documents you’ll need to make the process as straightforward as possible.

      Hope this helps!

      Best,
      Nikki

  2. Default Gravatar
    kennethJanuary 9, 2019

    I am a existing everyday credit card customer. Can I balance transfer to my card? What offers are there for existing customers or is the 27 month deal just for new customers? Thanks.

    • finder Customer Care
      CharisseJanuary 10, 2019Staff

      Hi Kenneth,

      Thanks for reaching out to finder.

      The 0% balance transfer fee for 27 months and other features on the Santander Everyday credit card featured above, only applies to new applications made from 13 January 2018.

      You need to contact Santander Bank to inquire about any balance transfer offers they have available for existing Santander Everyday credit card holders like you.

      I hope this helps.

      Cheers,
      Charisse

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