See our range of Santander credit cards
Check your eligibility without harming your credit score
See your likelihood of approval before you apply
Use our free eligibility checker to see which Santander credit card you could get accepted for. Here is a selection of their offering below.
Santander
Everyday Long Term Balance Transfer Credit Card
Purchases
0% for 3 months then 23.9%
Balance transfer
0% for 26 months then 23.9%
Balance transfer fee
3%
Representative example: If you spend £1,200 at a purchase rate of 23.9% (variable) p.a. your representative APR is 23.9% APR (variable)
Great for
But be aware that
Repayment details
Your monthly minimum payment will be the greater of:
1% of the outstanding balance on your statement
(minimum £5)
The full balance if less than £5
1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
Allocation of payments:
If you do not pay your balance in full Santander will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Please refer to Santander terms for full breakdown
Santander All in One Credit Card
Purchases
0% for 15 months then 23.9%
Balance Transfer
0% for 15 months then 23.9%
Balance transfer fee
0%
Representative example: If you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a £3 monthly fee your representative APR is 29.8% APR (variable)
Great for
But be aware that
Repayment details
Your monthly minimum payment will be the greater of:
1% of the outstanding balance on your statement
(minimum £5)
The full balance if less than £5
1% of the outstanding balance plus interest, plus fees, plus any insurance premium, plus the amount of any arrears which are payable immediately.
Allocation of payments:
If you do not pay your balance in full Santander will allocate your payments to balances with the highest interest rate before balances with lower interest rates. Please refer to Santander terms for full breakdown
Santander is a Spanish bank which has been operating since 1857. The UK operation began when it bought Abbey National in 2004, followed by Bradford & Bingley in 2008. In 2010, its UK high street banks were rebranded as Santander, and it is now one of the biggest bank brands in the country.
Santander offers a wide range of credit cards, here are some of the different types of cards on offer
Santander’s ‘all in one’ card, is a balance transfer and purchase card that also functions like a rewards card at the same time. You’ll get 0% interest on balance transfers and purchases for a lengthy fixed period and you’ll also get cashback on all spending. However, it does come with a monthly fee
Santander balance transfer cards which allow you to pay 0% interest on a balance for a fixed period – this can be for over two years in some cases. Some balance transfer cards also offer the added benefit of 0% interest on purchases for a short time. But there are usually transfer fees. If you’d rather not pay a fee, there’s a ‘fee-free’ balance transfer card but the 0% interest period is shorter
Santander also has a rewards card - available for existing customers only. It comes with a long 0% interest period on both purchases and transfers, plus cashback points – along with a host of extra perks, including access to over 1,000 airport lounges around the world, a 24/7 concierge service, and discounts on Santander travel insurance. However, it comes with a £15 a month fee.
A balance transfer card might suit your needs if you already have existing card debts and you’re looking to cut your bills. Santander has different options with a transfer fee or no fee – so weigh up which works out lower cost for you – based on the size of the debt you need to pay off
Santander offers all-in-one cards if you’re looking for a balance transfer card but also want to continue to spend. It offers 0% interest for a time on debt transfer and purchases. Just be aware of the monthly fees attached
If you’re a frequent globetrotter, Santander’s elite rewards card comes with plenty of perks to help you travel in style. But it’s only for people with a particular lifestyle – if you’re not taking advantage of its access to airport lounges and concierge services, you’ll be paying £15 a month for a credit card deal that could be matched for cheaper elsewhere
Be aged 18 or over in most cases (some cards may have a minimum age of 21) and have a UK bank account.
Be a permanent UK resident. Plus you’ll usually be asked to show proof of income through payslips or bank statements.
You must have an annual income of at least £7,500
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Santander credit cards offer some enticing deals, but some people may not be accepted. The best way to ensure you won’t be turned down for a card is to have a good credit score.
Your credit score tracks how well you’ve handled credit in the past, and it’s the most important thing credit card providers consider when they make a lending decision. Having a high credit score doesn’t just mean you’re more likely to get approved – odds are you’ll get a higher credit limit and lower interest rates too.
If you don’t know your credit score, it’s easy to get all the information you need with MoneySuperMarket’s free credit score tool – plus, we’ll give you extra help and tips to building better credit.
Comparing credit cards couldn’t be easier with MoneySuperMarket. Our eligibility checker tool will show you the cards you’re most likely to be approved for – and we'll protect your credit using a soft search.
We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card
We'll sift through dozens of offers from across the market, and show you the cards we think will suit you best
You'll be shown a range of cards, which you'll be able to sort according to APR, features and your chances of being approved
You can usually expect to hear whether you’ve been approved within a few days. But if your credit is high and you’re applying for an easier-to-get card, you could hear within minutes of making your application.
You’ll then typically then receive the card in the post within 10 working days.
You might be able to, but you should expect to be offered less attractive rates. Your best chance is probably to take a look at its standard Santander Edge Credit Card (only available to Santander current account customers). Getting a Santander card with rewards or a balance transfer card might be tricky with an impaired credit rating.
Alternatively, look at getting a credit builder card from another lender first. As long as you make your payments on time and in full, you should improve your credit score. And, in turn, you may be eligible for the more attractive Santander cards in future.
You can get in touch with Santander’s customer support team on 0845 972 4724. Opening hours are Mon - Sat 7am to 11pm. Sun – 8am to 10pm.
It’s best to pay off your entire credit card balance every month if you can afford to – this way you won’t pay interest and you can avoid building up debt. If you can’t afford to pay off the full balance, you must pay off at least the minimum monthly payment – ideally more.
Avoid missing credit card payments – credit card providers will often charge a penalty if you miss a payment and you also risk harming your credit score.
Setting up a direct debit could be a good way to ensure you pay off at least the minimum amount of your credit balance each month.
Each time you make an application for a credit card, it leaves a record – known as a ‘hard search’ - on your credit report. Too many applications can make lenders think you are in desperate need for credit and your application may be rejected.
Some credit cards have extra benefits that reward you when you use them a certain way. While some of them can be tempting, it’s better to get a credit card that will give you rewards for the way you spend already. For example, an airmiles credit card is only going to be useful if you’re a regular flyer, but if you’re a regular shopper at a particular high street store, there might be a credit card that gives you cashback for shopping there.
If you’re planning to use your credit card overseas, check whether or not you’ll be charged for doing so. Many credit cards charge fees for foreign transactions, so it can be a good idea to look for a card that won’t charge you for using it abroad.
Some credit cards will charge a fee if you use them to take cash out of a cash machine, and on top of that you’ll be charged interest from the moment you receive your money. Avoid using your credit card for cash withdrawals unless it’s an emergency.
Credit card fraud, like any fraud, is serious – you should always take care when using your credit card and be careful where you keep it. Never tell anyone your PIN and regularly check your statements every month – or if your credit card has an app, check that regularly - to make sure there are no surprises.
If you’re applying for a credit card, you might be able to find a better deal if you look through offers from different providers before taking one out. With MoneySuperMarket you’ll be able to search through multiple credit cards and compare them by a range of factors, including their interest rates and any benefits and rewards they come with.
All you need to do is answer a few questions about yourself and your financial situation, and our Eligibility Checker will show your chances of being accepted for different credit cards. This won’t affect your credit score, so you can run a check without any worries.
Once you know which card you want, you can normally apply by phone, online, or in person if the provider has a high street branch. However, when you do apply, the provider will usually run a hard credit check – which will show up on your credit report – to confirm whether they’ll give you the card. If you’re accepted they’ll tell you your credit limit and interest rate, and soon you’ll be ready to start using your credit card.
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