Santander credit cards

Santander offers two credit card options - the most famous being its 123 credit card which pays between 1% and 3% cashback depending on where you spend. Santander also has a card offering 0% for 15 months on both balance transfers and purchases with no balance transfer fee within the introductory period.

Compare Santander credit cards - Sorted by APR

  1. Great for
    Maximum £3 cashback per month per category: Supermarkets (1%) on spend up to £300, Department stores (2%) on spend up to £150 & Transport (3%) on combined spend up to £100
    Subject to status. You will receive the exact rate and offer advertised if your application is accepted
    But be aware that
    There is a £3 monthly fee - the first six months are refunded for new and existing 1|2|3 Santander current account customers
    You must have an income of £7,500 per year or more

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 12.7% p.a. (variable) with a £3 monthly Fee your representative rate will be 18.4% APR (variable).

  2. Great for
    0% for 15 months on purchases and balance transfers
    No fee to transfer a balance
    But be aware that
    You cannot transfer a balance from another Santander card
    The APR and length of the promotional offer are dependent on your personal circumstances. You must have an income of £7,500 per year or more

    Representative Example:

    If you spend £1,200 at a purchase interest rate of 18.9% p.a. (variable) your representative rate will be 18.9% APR (variable).

Guide to Santander credit cards

Santander is a Spanish banking group that incorporates the Eurozone’s largest bank in Banco Santander, S.A. Now one of the world’s largest banks, it gained a strong presence in the UK after its 2004 acquisition of Abbey National.

Santander strengthened this presence in 2008 when it took over both Alliance & Leicester and Bradford & Bingley and in 2010 these banks were merged, along with Abbey, under the Santander banner.

This has made Santander one of the UK’s biggest financial service companies, offering a range of current accounts, loans and credit cards. It is also one of the largest providers of mortgages and savings within the UK.

Santander’s credit card range includes cards which offer cashback on your everyday spending, and cards which allow you to spread the cost of purchases or balances from other cards. Some cards impose a monthly fee, so make sure you factor this in if you are considering applying for one.

Santander credit cards are fully regulated by the city regulator the Financial Conduct Authority (FCA)

Credit cards give you valuable consumer protection that cash and debit cards don’t. Under Section 75 of the Consumer Credit Act, if you pay for goods or services using a credit card, the card provider is jointly liable with the retailer if something goes wrong. This protection only applies to items or services costing between £100 and £30,000. So, for example, if you ordered a bed costing £500 and the shop you bought it from goes bust before it is delivered, the credit card provider should provide you with a full refund.

Your personalised chance of approval

We've taken the details you gave, and used them to show you personalised scores to tell you the chance that your application for each card would be successful.

Why is this important?

Every time you apply for a credit card, a mark is left on your credit score. That means it's better get it right first time. Your scores help you understand which cards you have the strongest chance of getting.

It's easy!

The higher the score, the stronger chance you have of getting the card. If you see a very low score, you're probably better off choosing a different card.

Consider a different card
Not eligible
1/10
2/10
3/10
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5/10
Your chances are good
6/10
7/10
8/10
9/10
9.5/10
You've been pre approved

If you see a high score, you can be fairly confident. The scores aren't a guarantee, as acceptance of your application is at the sole discretion of the card issuer, but they should help guide your choice.

If you see a pre-approved score it may be subject to you passing additional ID and fraud checks by the provider.

Not rated

In some cases, we will not be able to display a score for a product because we do not have enough information about the card issuer’s acceptance criteria or we have not been able to match your details at the credit bureau.

We work closely with our partners to improve our eligibility scores for all products that are of interest to you.

We're free and independent, as well as offering exclusive deals you can't get anywhere else.

Moneysupermarket is a credit broker – this means we’ll show you products offered by lenders. We never take a fee from customers for this broking service. Instead we are usually paid a fee by the lenders – though the size of that payment doesn’t affect how we show products to customers.

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