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Santander Everyday Credit Card review April 2020

Last updated: 14 February 2020

A competitive balance transfer deal with a few extras bolted on.

Enjoy a 18-month interest-free period on your existing credit card debt when you bring it across to Santander. Plus there’s no fee to transfer your balance.

You say: ★★★★★We say: ★★★★★

Potential costs: 4/5
Doing its job: 4/5
Extras: 3.5/5

In a nutshell:

18-months 0% interest on balance transfers with no transfer fee.

Longer balance transfer offers are available.

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).

18 months

0% interest on balance transfers

Balance transfer fee

18.9%

Representative APR

£0

Account fee

Details

Issuer	Santander
Network	Mastercard
Annual/monthly fees	£0
Balance transfers	0% for 18 months reverting to 18.9%
Balance transfer fee	0% for 18 months reverting to 3% (min. £5)
Purchases	0% for 3 months reverting to 18.9%
Purchases interest-free period	Up to 56 days
Cash advances	29.9%
Min credit limit	£500
Max credit limit	Not specified
Additional cards available	3
Incentive	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).

Annual/monthly fees	£0
Minimum monthly payment	1% or £5 (whichever is greater) or the total of any interest, default fees and charges plus 1% of the outstanding balance plus any arrears.
Balance transfer fee	0% for 18 months reverting to 3% (min. £5)
Foreign usage charge (EU)	2.95%
Foreign usage charge (rest of world)	2.95%
Cash advance fee	3% (min. £3)
Late payment fee	£12
Duplicate statement fee	£0
Exceeding limit fee	£12
Additional card fee	£0
Dormancy fee	£0

Expert review

Review by

Chris Lilly

chris.lilly@finder.com

Chris Lilly is a publisher at finder.com. He's a specialist in credit-based products including business and personal loans, mortgages and credit cards, and is passionate about helping UK consumers make informed decisions about their borrowing. In his spare time Chris likes forcing his kids to exercise more.

Expert review

Primarily a no-fee 0% balance transfer offer, Santander’s Everyday Card buys you a 18-month break from interest to focus on clearing your card debt.

If you anticipate adding to your card debt in the short-term, however, then you’ll also benefit from 3 months of 0% interest on purchases. After this point, anything you’ve paid for using the card will start to accrue interest at the card’s less-appealing standard rate of 18.9%. Card issuers are obliged to direct your monthly payments towards the most expensive parts of your balance first and foremost, so when that 3 months is up, your monthly repayments will go towards paying off any balance accrued since taking the card out.

If you opt for this card, be sure to opt in to the Retailer Offers scheme as soon as you can (you can do this in your online/mobile banking), to enjoy cashback from major retailers.

What's in this review?
Key details
Market comparison
Repayment options
How to apply

How does this offer compare with other balance transfer cards?

Table: sorted by length of 0% balance transfer offer, promoted deals first

Updated April 4th, 2020

Name	Balance transfers	Balance transfer fee	Purchases	Annual/monthly fees	Rep. APR		Incentive	Representative example
The NatWest Balance Transfer Credit Card (eligibility criteria apply)	0% for 20 months reverting to 19.9%.	0% Transfers must be made within 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
The Royal Bank Balance Transfer Credit Card (eligibility criteria apply)	0% for 20 months reverting to 19.9%	0% Transfers must be made within 3 months of account opening	0% for 3 months reverting to 19.9% p.a. (variable)	£0	19.9% (variable)	Go to site More Info		Representative example: When you spend £1,200 at a purchase rate of 19.9% (variable), your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax Longest 0% Balance Transfer Mastercard	0% for 29 months reverting to 19.95%	3% for 3 months reverting to 5%	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
MBNA Long 0% Balance Transfer Credit Card	0% for 29 months reverting to 20.93%	2.75% for 2 months reverting to 5%	20.93%	£0	20.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 29 Month Balance Transfer Credit Card Mastercard	0% for 29 months reverting to 21.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Platinum Longest 0% Balance Transfer Mastercard	0% for 28 months reverting to 19.94%	3% for 3 months reverting to 5%	0% for 6 months reverting to 19.94%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Transfer Plus Mastercard	0% for 28 months reverting to 19.9%	2.85% (min. £5)	0% for 6 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Sainsbury's Bank Balance Transfer Credit Card Mastercard	0% for 28 months reverting to 19.95%	3% (min. £3)	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
TSB Platinum 28 Month Balance Transfer Mastercard	0% for 28 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 3 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
first direct Credit Card Visa	0% for 27 months reverting to 18.9%	2.29% (min. £5) for 3 months reverting to 2.9% (min. £5)	18.9%	£0	18.9% (variable)	More Info		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...
Barclaycard Platinum All-Rounder Visa	0% for 27 months reverting to 21.9%	2.7% for transfers in first 60 days	0% for 27 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 27 Month Balance Transfer Credit Card Mastercard	0% for 27 months reverting to 21.9%	1.45% for 2 months reverting to 5%	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Tesco Bank Clubcard Credit Card for 26 Months Balance Transfer Mastercard	0% for 26 months reverting to 21.814%	2.98% for 26 months reverting to 3.99% (min. £3)	19.944%	£0	19.9% (variable)	More Info	1 point per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.	Representative example: When you spend £1,200 at a purchase rate of 19.944% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
MBNA 0% Transfer and Purchase Credit Card	0% for 26 months reverting to 20.93%	2.89% for 2 months reverting to 5%	0% for 26 months reverting to 20.93%	£0	20.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Low Balance Transfer Fee Credit Card Mastercard	0% for 26 months reverting to 20.95%	1.99% (min. £3) for 3 months reverting to 1% (min. £3)	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
MBNA Low Fee 0% Balance Transfer Credit Card	0% for 26 months reverting to 20.93%	1% for 2 months reverting to 5%	20.93%	£0	20.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.93% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Sainsbury's Bank Dual Offer Credit Card Mastercard	0% for 26 months reverting to 20.95%	3% (min. £3)	0% for 26 months reverting to 20.95%	£0	20.9% (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% 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 3% (min. £5)	0% for 26 months reverting to 15.9%	£3 per month	21.7% (variable)	More Info		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...
Halifax Low Fee 0% Balance Transfer Mastercard	0% for 25 months reverting to 19.95%	1% for 3 months reverting to 5%	0% for 12 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
HSBC Balance Transfer Credit Card Visa	0% for 25 months reverting to 21.9%	1.5% (min. £5)	0% for 3 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum Low Fee 0% Balance Transfer Mastercard	0% for 24 months reverting to 19.95%	1.5% for 3 months reverting to 5%	0% for 12 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Platinum Low Fee 0% Balance Transfer Mastercard	0% for 24 months reverting to 19.94%	1.5% for 3 months reverting to 5%	0% for 12 months reverting to 19.94%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Bank of Ireland UK Matched Mastercard	0% for 24 months reverting to 19.9%	2.49%	0% for 24 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
The Co-operative Bank Balance Transfer Credit Card Visa	0% for 24 months reverting to 20.6%	0%	0% for 4 months reverting to 20.6%	£0	20.6% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 20.6% (variable) p.a., your representative rate is 20.6% APR (variable).	Compare	loading Fetching your data...
Virgin Money 24 Month Balance Transfer Credit Card Mastercard	0% for 24 months reverting to 27.9%	3% for 2 months reverting to 5%	0% for 3 months reverting to 27.9%	£0	27.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 23 Month All Round Credit Card Mastercard	0% for 23 months reverting to 21.9%	2.9% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Platinum 0% Purchase and Balance Transfer Mastercard	0% for 20 months reverting to 19.95%	3% for 3 months reverting to 5%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
TSB Platinum 20 Month Purchase Mastercard	0% for 20 months reverting to 19.95%	2.95% for 3 months reverting to 3%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
M&S Bank Shopping Plus Mastercard	0% for 20 months reverting to 19.9%	2.9% (min. £5)	0% for 20 months reverting to 19.9%	£0	19.9% (variable)	More Info	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).	Compare	loading Fetching your data...
Halifax 0% Purchase and Balance Transfer Mastercard	0% for 20 months reverting to 19.95%	3% for 3 months reverting to 5%	0% for 20 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Platinum 0% Purchase and Balance Transfer Mastercard	0% for 20 months reverting to 19.94%	3% for 3 months reverting to 5%	0% for 20 months reverting to 19.94%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Ulster Bank Balance Transfer Credit Card Mastercard	0% for 20 months reverting to 19.9%	0%	0% for 3 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Barclaycard Platinum 20 Month Purchase and Balance Transfer Visa	0% for 20 months reverting to 21.9%	2.7% for transfers in first 60 days	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 20 Month All Round Credit Card Mastercard	0% for 20 months reverting to 27.9%	2.9% for 2 months reverting to 5%	0% for 17 months reverting to 27.9%	£0	27.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Santander Everyday Credit Card Mastercard	0% for 18 months reverting to 18.9%	0% for 18 months reverting to 3% (min. £5)	0% for 3 months reverting to 18.9%	£0	18.9% (variable)	More Info		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...
John Lewis and Waitrose Partnership Mastercard	0% for 18 months reverting to 18.9%	2.9% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	More Info	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. Earn double points on selected insurances taken out through John Lewis Financial Services. 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	loading Fetching your data...
HSBC Premier Credit Card Mastercard	0% for 18 months reverting to 18.9%	1.4% (min. £5)	0% for 9 months reverting to 18.9%	£0	18.9% (variable)	More Info	A selection of rewards from a range of partners. Earn 1 point for every £1 spent within the UK and earn 2 points for every £1 spent outside the UK. Points can be redeemed for shopping vouchers and frequent flyer miles.	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...
Nationwide Member Credit Card Balance Transfer Offer	0% for 18 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 3 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
HSBC Purchase Plus Credit Card Visa	0% for 18 months reverting to 22.9%	2.9% (min. £5) for transfers in first 60 days	0% for 18 months reverting to 22.9%	£0	22.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% 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 3% (min. £5)	0% for 18 months reverting to 18.9%	£15 per month	49.8% (variable)	More Info		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...
Sainsbury's Bank No Balance Transfer Fee Credit Card Mastercard	0% for 16 months reverting to 20.95%	0% for transfers made within 3 months	0% for 3 months reverting to 20.95%	£0	20.9% (variable)	More Info	Earn 750 bonus Nectar points each time £35 or more spent on Sainsbury's shopping, up to ten times in your first 2 months, up to a total of 7,500 points, offer available for new customers. Earn 2 Nectar points per £1 spent on Sainsbury's shopping and fuel. Earn 1 Nectar point for every £5 spent elsewhere.	Representative example: When you spend £1,200 at a purchase rate of 20.95% (variable) p.a., your representative rate is 20.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank (Branch) Classic Mastercard	0% for 16 months reverting to 27.95%	3% for 3 months reverting to 5%	0% for 6 months reverting to 27.95%	£0	27.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Bank of Scotland Classic Mastercard	0% for 16 months reverting to 27.95%	3% for 3 months reverting to 5%	0% for 6 months reverting to 27.95%	£0	27.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.95% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
Lloyds Bank Platinum No Fee 0% Balance Transfer Mastercard	0% for 15 months reverting to 19.94%	0% for 3 months reverting to 5%	0% for 6 months reverting to 19.94%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Halifax No Fee 0% Balance Transfer Mastercard	0% for 15 months reverting to 19.95%	0% for 3 months reverting to 5%	0% for 6 months reverting to 19.95%	£0	19.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 19.95% (variable) p.a., your representative rate is 19.9% APR (variable).	Compare	loading Fetching your data...
Nationwide Member Credit Card All Rounder Offer	0% for 15 months reverting to 19.9%	1.5% (min. £5) for 3 months reverting to 2.4% (min. £5)	0% for 15 months reverting to 19.9%	£0	19.9% (variable)	More Info		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).	Compare	loading Fetching your data...
Virgin Money 20 Month Purchase Credit Card Mastercard	0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 20 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Laura Ashley Mastercard	0% for 12 months reverting to 21.94%	5%	0% for 3 months reverting to 21.94%	£0	21.9% (variable)	More Info	Earn 2 privilege points for every £1 spent at Laura Ashley, and 1 privilege point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.	Representative example: When you spend £1,200 at a purchase rate of 21.94% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 12 Month Travel Credit Card Mastercard	0% for 12 months reverting to 21.9%	2% for 2 months reverting to 5%	0% for 12 months reverting to 21.9%	£0	21.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a., your representative rate is 21.9% APR (variable).	Compare	loading Fetching your data...
MBNA Long 0% Money Transfer Credit Card	0% for 12 months reverting to 22.93%	4% for 2 months reverting to 5%	22.93%	£0	22.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 22.93% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
IHG Rewards Club Credit Card Mastercard	0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£0	22.9% (variable)	More Info	Receive an additional 10,000 IHG Rewards Club bonus points when £500 or more spent within first 90 days of opening until 31.3.20. 1 IHG Rewards Club point for every £1 spent in the UK. 2 IHG Rewards Club points for every £1 spent at any IHG location in the UK. 2 IHG Rewards Club points for every £1 spent abroad.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).	Compare	loading Fetching your data...
Debenhams Mastercard	0% for 12 months reverting to 24.94%	2.99% for 12 months reverting to 5%	24.94%	£0	24.9% (variable)	More Info	Earn 3 points for every £1 spent at Debenhams, and 1 point for every £2 spent elsewhere. 500 points equals a £5 voucher which is issued quarterly.	Representative example: When you spend £1,200 at a purchase rate of 24.94% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Capital One Balance Transfer Mastercard	0% for 12 months reverting to 24.93%	2.9%	0% for 3 months reverting to 24.93%	£0	24.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 24.93% (variable) p.a., your representative rate is 24.9% APR (variable).	Compare	loading Fetching your data...
Virgin Money 16 Month Purchase Credit Card Mastercard	0% for 12 months reverting to 27.9%	2% for 2 months reverting to 5%	0% for 16 months reverting to 27.9%	£0	27.9% (variable)	More Info		Representative example: When you spend £1,200 at a purchase rate of 27.9% (variable) p.a., your representative rate is 27.9% APR (variable).	Compare	loading Fetching your data...
IHG Rewards Club Premium Credit Card Mastercard	0% for 12 months reverting to 22.9%	3% (min. £3)	22.9%	£99 per annum	45.1% (variable)	More Info	2 IHG Rewards Club point for every £1 spent in the UK. 4 IHG Rewards Club points for every £1 spent at any IHG location in the UK. 4 IHG Rewards Club points for every £1 spent abroad. Free night voucher at any IHG property if customer spends £10,000 per year. Free night voucher to be awarded on account anniversary.	Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £99 per annum, your representative rate is 45.1% APR (variable).	Compare	loading Fetching your data...

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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.

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

If you’d like to apply, first make sure you meet the Santander eligibility requirements and have the necessary personal and financial information you’ll need. You can start your application by visiting the Santander website and completing the online form, which should take 10-15 minutes.

Frequently asked questions

What is the maximum credit limit?

The credit limit you receive is determined by the lender and based on factors such as your credit rating and financial situation. There is no specified upper credit limit on the Santander Everyday Credit Card, and the minimum limit is £500.

What fees will I pay?

There is no annual or monthly fee on the Santander Everyday credit card, but you may need to pay a fee if you make a late payment, exceed your credit limit or when using your card overseas or for cash advance. Find out how these fees work here.

How do I join Santander Retailer Offers?

You can switch on Retailer Offers using the Santander mobile banking app, or via your online banking account. You’ll need to join within 60 days of activating your card.

How does my interest-free period work?

For the first 3 months, you’ll pay no interest on purchases you make using your card. If you choose to transfer an existing card balance onto the Santander Everyday credit Card, you’ll also have 18 months to pay it off without being charged interest.

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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6 Comments

Tracy
November 22, 2019

Can I transfer more than one balance?

Reply
- finder Customer Care
  
  Tom
  December 3, 2019
  
  Hi Tracy,
  
  Thanks for getting in touch. In answer to your question, yes, you can transfer more than one balance to the Santander Everyday credit card. However, you can only transfer balances of £100 or more, and can only transfer up to 95% of your credit limit. You also can’t transfer balances from other Santander or cahoot credit cards, or from any loan or current account.
  
  It’s also worth keeping in mind that at the end of your 0% interest period, a 3% balance transfer fee will apply on any new balance transfer. Interest will also be charged on your outstanding balances and additional balance transfers, at a standard rate of 18.9% p.a.
  
  I hope this helps, but please let me know if you have any other questions.
  
  Thanks,
  
  Tom
  
  Reply
Tracey
March 25, 2019

Can I get a credit card

Reply
- finder Customer Care
  
  nikkiangco
  March 26, 2019
  
  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
  
  Reply
kenneth
January 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.

Reply
- finder Customer Care
  
  Charisse
  January 10, 2019
  
  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
  
  Reply

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Santander Everyday Credit Card review April 2020

A competitive balance transfer deal with a few extras bolted on.

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Repayment options

Choose from the following direct debit options for your monthly repayments:

How to apply for the Santander Everyday Credit Card

Frequently asked questions

What is the maximum credit limit?

What fees will I pay?

How do I join Santander Retailer Offers?

How does my interest-free period work?

Ask an expert

Minimum Age	18
Minimum income	£7,500
Residency	UK Resident
Availability	Available to new customers