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Santander credit cards

Santander is the Spanish bank that bought Abbey, Alliance & Leicester and Bradford & Bingley. It has more than 1,300 branches in the UK and more than 25million customers. The bank is one of the country’s largest mortgage and savings providers, but it also offers two competitive credit cards.

The new 123 Cashback Credit Card

3% cashback at petrol stations
2% cashback at department stores
1% cashback at supermarkets
Annual fee applies

Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) with a £24 annual fee your Representative APR will be 22.8% (variable).

Compare every Santander credit card

| Updated Daily

Cards listed by combined duration of 0% balance transfer offer.

	Product Name	Balance Transfer	Purchases	Rewards	Representative APR (Variable)	Product Reviews
	Santander Credit Card	0% 17 months 3% fee	0% 3 months	No rewards	17.9% APR	Read review
	Protection against internet fraud Protection against unauthorised use No balance transfers from Santander card The interest charged on balance transfer after the introductory period will be 17.9% APR. The interest rate charged on purchases after the introductory period will be 17.9% APR. There are no rewards with this card. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is all fees (including any annual fees where applicable); default charges, payment protection insurance premiums, interest plus 1% of the remaining balance shown on your statement and the amount (if any) by which you have exceeded your credit limit (subject to a minimum of £5). The Santander Credit Card offers 0% on balance transfers for a respectable 17 months as well as 0% on purchases for three months. After the introductory period is up, the card has a variable APR of 17.9%. If you are moving debts across from another card, you will have to pay a handling fee of 3%. You should avoid using this card to withdraw cash, as interest will be charged on any amount you take out at a steep 27.9%. There is also a 3% charge for cash withdrawals too. To qualify for this card you must be at least 18 years of age and have an income in excess of £7,500 a year. You must also not have a history of bad credit, in other words, county court judgements or bankruptcy. The card has no annual fee.
	Representative Example: If you spend £1,200 at an annual interest rate of 17.9% (variable) your Representative APR will be 17.9% (variable).
	Laura Ashley Card	0% 12 months 2.99% fee	18.9% -	Rewards Vouchers	18.9% APR	Read review
	500 bonus points with 1st purchase 2 points per £1 spent in Laura Ashley 1 point per £2 spend everywhere else Interest rates range from 18.9% - 24.9% The interest charged on balance transfers after the introductory period will be 18.9% APR. There is no introductory purchases offer on this product and any purchases will incur 18.9% interest rate. Receive 2 privilege points for every £1 spent in Laura Ashley and 1 privilege point for every £2 spent elsewhere, plus receive 500 bonus points when you make your first card purchase. Your points will be converted into reward vouchers which you will receive quarterly, 500 points equals a £5 voucher. You will also receive invitations to exclusive discounts and bonus points events, exclusive cardholder offers and sale previews and complimentary copies of Laura Ashley's new season catalogues (subject to availability). Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is all fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit (subject to a minimum £5). You will be assessed on your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. Review to follow.
	Representative Example: If you spend £1,200 at an annual interest rate of 18.9% (variable) your Representative APR will be 18.9% (variable).
	Harvey Nichols Credit Card	0% 6 months 2.99% fee	13.9% -	Vouchers Shopping Rewards	18.9% APR	Read review
	1 point / £1 spent at Harvey Nichols 1 point / £2 spent elsewhere Interest rates range from 13.9% - 29.9% In order to transfer a balance at the introductory rate this must be undertaken within the first 6 weeks of account opening. The interest charged on balance transfers after the introductory period will be 13.9% APR. There is no introductory purchases offer on this product and any purchases will incur 13.9% interest rate. You will earn 1 point for every £1 you spend in Harvey Nichols stores and restaurants in the UK and 1 point for every £2 you spend elsewhere. For every 500 points you earn you will receive a £5 Harvey Nichols Rewards Voucher. Save an extra 10% off sale items during the first four days of the Harvey Nichols sale and 10% discount at exclusive shopping parties. Complimentary cuff and hem alterations. Invitations to exclusive store events. Priority personal shopping and fashion consultations. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is all fees, default charges, payment protection insurance premiums, interest plus 1% of the principal and the amount you have exceeded your credit limit. Subject to a minimum £5. This card will assess your personal circumstances and credit history to determine the APR available to you. This may result in you being offered a different rate than that quoted. Review to follow.
	Representative Example: If you spend £1,200 at a purchase interest rate of 13.9% (variable) your Representative APR will be 18.9% (variable).
www.santander.co.uk	Santander 123 Credit Card	18.9% - 5% fee	18.9% -	Cashback	22.8% APR	Read review
	3% cashback at petrol stations 2% cashback at department stores 1% cashback at supermarkets Annual fee applies You will be charged a balance transfer fee of up to 5% (minimum £5). You will receive 3% cashback on fuel spending (capped at £300 spend per month), 2% cashback on department store spending and 1% cashback on supermarket spending. Receive up to 56 days interest free on new purchases if you pay your statement in full and on time every month. The minimum repayment on this card is: All fees (including any annual fee where applicable), default charges, payment protection insurance premiums, interest plus 1% of the remaining balance shown on your statement and the amount (if any) by which you have exceeded your credit limit (subject to a minimum of £5). This card pays three different cashback rates depending on where you use the card. You earn 3% cashback on petrol on spending up to £300 a month, 2% in department stores and 1% in supermarkets. If you spend up to £300 a month on fuel, then this card is definitely worth considering due to the high 3% cashback rate. You must make sure that you repay your balance in full every month, or the card has a steep representative annual percentage rate (APR) of 22.8% variable once the fee is factored in. Your cashback will be credited to your account each month and your 123 Credit Card can also be used in conjunction with any other loyalty card or retailer offer. For new and existing 123 Credit Card customers, Santander will refund the first year’s annual fee if you also open a 123 Current Account. This offer is valid until 30.06.2012. To qualify for this refund you must: (i) Open a 123 Current Account and (ii) set up a Direct Debit from the 123 Current Account within 30 days of opening to pay your 123 Credit Card. The annual fee charged for the first year will then be refunded to your 123 Credit Card account within 15 days from the later of (i) activating your card and/or (ii) setting up the Direct Debit from your 123 Current Account to pay your 123 Credit Card.
	Representative Example: If you spend £1,200 at a purchase interest rate of 18.9% (variable) with a £24 annual Fee your Representative APR will be 22.8% (variable).

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We’re free, independent and compare all UK credit cards as well as offering exclusive deals you can’t get anywhere else.