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Santander Zero Credit Card review
This card is no longer available, but you can use our review to find alternatives.
The Santander Zero Credit Card has been discontinued and is no longer available. However, this information has been kept for historical purposes. You can use this page to compare similar cards from other issuers.
You say: ★★★★★We say: ★★★★★
Doing its job: 4.5/5
In a nutshell:
Foreign transaction charge
0% interest on purchases
|Balance transfers||0% for 1 months reverting to 18.9%|
|Balance transfer fee||3% (min. £5)|
|Purchases||0% for 12 months reverting to 18.9%|
|Purchases interest-free period||Up to 56 days|
|Min credit limit||£500|
|Max credit limit||Not specified|
|Additional cards available||3|
|Incentive||Earn up to 15% cashback with your selected Retailer Offers at selected major retailers.|
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.
The “Zero” in this card’s name refers to both the fees on non-sterling transactions and the rate of interest on purchases at home and abroad (plenty of 0% purchase cards will still charge you interest on non-sterling transactions). If you’re about to head overseas and have a hunch you might come back with a bit of card debt, this card’s got you covered. Impressively, it also boasts the significant benefit of charging no cash withdrawal fee wherever in the world it’s used (just watch out for any fees that the ATM provider might charge).
Put all this together with the fact that there’s no account fee to worry about, and you’ve got a very respectable card both to spread the cost of your holiday and to take with you on said holiday.
The downsides? If you do withdraw cash on the card, then that part of your balance will be charged interest from the date the funds leave your account, at the card’s standard purchases rate of 18.9%. That makes the whole no-ATM-fees-anywhere-in-the-world perk a lot less, well, perky.
Additionally, if you’re simply looking to spread the cost of a large expenditure, then there are numerous longer 0% deals on the market.
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.
The Santander Zero Credit Card is issued on the Mastercard network so it's accepted at nearly 53 million merchants across more than 210 countries and territories.
Pros and cons
- A year to spread the cost of purchases
- Avoid currency conversion charges when spending abroad
- No annual fee
- Minimum annual income requirement of £7,500
- Applicants with low credit scores are unlikely to be eligible
Other cards for overseas spending
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
When it comes to credit cards costs, nothing is always better than something, and that’s the case with the Santander Zero credit card. It offers a 0% interest period on purchases, zero annual fees, and zero cash advance fees.
If you’re a serious traveller and sick of being charged fees on your spending abroad, it also offers fee-free cash withdrawals and currency conversion anywhere in the world. Of course, you’ll still need to watch out for local ATM fees, and interest will still be charged on any cash advances.
You can make manual repayments through Santander's app, by logging in to your online banking or over the phone (0800 389 9905). Alternatively, you may wish to set up a direct debit.
A direct debit protects you from forgetting to make a repayment and either damaging your credit score, getting hit with a penalty fee (£12) 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
Sorry – Santander is no longer accepting applications for this card. However you may wish to consider one of the alternatives listed above.
Frequently asked questions
How does the Santander Zero card's 0% interest work?
When you use your credit card, any balance you have needs to be repaid each month, otherwise you'll be charged interest on the outstanding amount. With the Santander Zero Credit Card, any purchases you make will be interest-free for the first 12 months. After 12 months, you'll need to pay interest on your balance.
What is a balance transfer?
If you having an existing credit card balance, you can choose to transfer it to a different card with lower rates or better perks. Many credit card provides offer 0% balance transfers, which means you can move your balance without paying interest.
What does "fee-free currency conversion" on the Santander Zero card mean?
Most credit cards will charge a percentage fee when you use your card to make a purchase in a foreign currency. With the Santander Zero Credit Card, you won't pay any fees when paying in a foreign currency or getting money out abroad. Make sure you choose the local currency if given the choice
What is Santander Retailer Offers?
When you make a purchase at certain retailers using your Santander credit card, you can receive up to 15% of the amount as cashback on your account. The offers change regularly and are tailored to you. These could include cashback at Vue Cinemas, JD, Subway, Costa and Morrisons. Once you switch on Retailer Offers in Online or Mobile Banking, you’ll be able to choose the offers you’re interested in and earn cashback just by using your Santander cards.