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Santander credit cards

Compare a range of credit cards from Santander

  • See our range of Santander credit cards

  • Check your eligibility without harming your credit score

  • See your likelihood of approval before you apply

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Santander credit cards

Use our free eligibility checker to see which Santander credit card you could get accepted for. Here is a selection of their offering below.

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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

  • Santander's longest balance transfer offer
  • Up to 56 days interest-free credit on purchases if you pay your balance in full and on time each month
  • Get cashback, vouchers, prize draws and other personalised offers with Santander Boosts

But be aware that

  • You can't transfer a balance from another card issued by Santander or cahoot
  • You're not eligible for this card if you've had a CCJ or been declared bankrupt in the last 72 months
More details

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

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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

  • No fee for transferring a balance. No foreign transaction fees on purchases and cash withdrawals abroad when made in the local currency. A cash withdrawal fee of 3% (minimum £3) applies
  • Earn 0.5% cashback (up to £10 a month) on all your purchases
  • Get cashback, vouchers, prize draws and other offers personalised with Santander Boosts

But be aware that

  • There is a £3 monthly fee
  • You can't transfer a balance from another card issued by Santander, including Cahoot
More details

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

Who are Santander?

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 logo

What types of cards do Santander offer?

Santander offers a wide range of credit cards, here are some of the different types of cards on offer

  • Balance transfer and purchase card

    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

  • Balance transfer credit cards

    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

  • Rewards cards

    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.

How to pick the best Santander credit card?

  • 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

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Am I eligible for a Santander credit card?

  • 18 or over

    Be aged 18 or over in most cases (some cards may have a minimum age of 21) and have a UK bank account. 

  • Live in the UK

    Be a permanent UK resident. Plus you’ll usually be asked to show proof of income through payslips or bank statements. 

  • Annual income over £7,500

    You must have an annual income of at least £7,500

How likely am I to get accepted?

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 monitor tool – plus, we’ll give you extra help and tips to building better credit.

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How to compare credit cards with MoneySupermarket

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 – so you can protect your credit score.

  • Tell us about yourself

    We'll ask you a handful of simple questions about you and your financial circumstances, and what you need from a credit card

  • We browse the market

    We'll sift through dozens of credit cards offers from across the market, and show you the cards we think will suit you best

  • Pick the card you want

    You'll be shown a range of credit cards, which you'll be able to sort according to APR, features and your chances of being approved

APR stands for Annual Percentage Rate and it represents how much it’ll cost to borrow money on a particular credit card. It’s calculated by taking into account: 

  • Your interest rate 

  • Additional fees and charges. 

However, you might see the term ‘representative APR’ on adverts for credit cards – this means that the interest rate quoted only has to be offered to at least 51% of successful applicants, so it may not be the actual rate you get when you apply. 

First consider what you want to use the credit card for – cards come with different features that are useful for different purposes.

If you have a large purchase coming up, you might want to spread the cost with a 0% purchase card, if you fly a lot you might want an airmiles card, and if you want to transfer a balance to avoid interest payments, a balance transfer card could be ideal.

By comparing with us you’ll be able to see a list of credit cards, so you can browse at will and choose which one suits you best.

You’ll get a cooling off period of two weeks from when you receive your card, and you’ll have 30 days to pay off your balance. You can cancel by contacting your provider, either by post, phone, online, or in-branch.

However, if you want to cancel your credit card after the cooling off period, your account balance generally must be zero.

A soft credit search is a way of finding out which credit cards you’re most likely to be accepted for without your credit score being affected. 

A hard search on your credit report is a mark left by a lender who has assessed your credit rating after you have applied for a credit card. Too many hard searches (often through multiple applications) may make lenders think you are desperate for credit so it’s best to limit your applications for credit in a short space of time.

If you miss a repayment on your credit card balance, you likely have to pay a penalty fee. What’s more, if you have any type of promotional offer with your card, such as an interest-free deal, this may be cancelled, and a missed payment may have a negative effect on your credit score.

If you get rejected for a credit card, this will leave a mark on your credit report and could lead to further rejections in the future. It’s a good idea to use MoneySuperMarket’s Eligibility Checker to see how likely you are to be accepted for a card before applying to get it, and it won’t affect your credit score.

Unlike many loans and mortgages, you generally won’t be charged for making early repayments on your credit card – which means it’s a good way to get ahead of your balance.

You can’t get joint credit cards in the same way as bank accounts and mortgages, but you can add additional users to your own credit cards. However, you should remember that it’s still the primary cardholder’s responsibility to pay off the balance. 

You can cancel your credit card by contacting your lender, by phone, email, online, post, or in person if they have a local branch. 

In most cases your credit card provider will set your credit limit after you’ve been accepted for a credit card. So you will not be able to ‘apply’ or request a certain spending limit. Your credit limit will be based on your income, financial circumstances and your credit score as well as the individual policy of the card provider. Card issuers will want to be satisfied that the limit is affordable for you. You’ll be told your credit limit once your application is approved and your credit card account is open. 

Whether you're approved for a credit card will depend on your personal circumstances. There's no universal standard applied by lenders. But factors that will influence a credit-card provider's decision will include: Your income, age (you must be over 18 in most cases), your financial history and your credit score.

You can overpay on your credit card and that happens when you pay back more than you owe on your credit card balance. When you do this, you’ve cleared your balance, but you’ve gone a step further and your card issuer now owes you money.

A credit card is a plastic card that allows you to borrow money from your card issuer, instead of spending the money in your current account. Your credit card will have a credit limit which is the maximum amount you can borrow. 

Yes, you can have multiple credit cards but keep in mind that if you’re struggling with one credit card it’s best not to get any more. 

Your credit limit is the maximum amount of money you can borrow on your credit card. Your lender sets your limit, and it will be influenced by various factors such as your credit score and income. 

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.

MoneySuperMarket gives you lots of clever ways to save a lot, by doing very little.

  • Take control of your credit score by checking and improving it for free with Credit Monitor

  • Never overpay again with Energy Monitor, our energy monitoring service

  • Over 50 ways to Get Money Calm

So how do we make our money? In a nutshell, when you use us to buy a product, we get a reward from the company you’re buying from.

But you might have other questions. Do we provide access to all the companies operating in a given market? Do we have commercial relationships or ownership ties that might make us feature one company above another?

We commit to providing you with clear and informative answers on all points such as this, so we have gathered the relevant information on this page.

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