Santander credit cards

Best Santander credit cards

Santander is the Spanish banking group that took over Abbey in 2004. It later acquired Alliance & Leicester and the savings book of Bradford & Bingley and has more than 1,300 UK branches and 25 million customers.

Santander offers three credit card options - their All in One Credit Card which pays cashback on all purchases, their Everyday Card offers 0% for 30 months on both balance transfers and purchases, and their Zero Card which has no foreign transaction fees on purchases and cash withdrawals made abroad in the local currency.

 

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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.

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