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.
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.