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Excellent4.2(421 ratings)

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Reviewed by: johnap17

The stand-out difference with this card is the cash-back on purchases allied to a reasonable APR. The general ...

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Compare Santander Credit Cards

Santander 123 Credit Card
Balance transfers
0% for 23 months with no fee
Purchases
0% for 23 months
Representative APR (variable)
18.4% APR
Once the 0% deal ends the balance transfer rate will be 12.7% p.a. variable with a 3% fee.
Representative Example: Representative Example: The standard interest rate on purchases is 12.7% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.4% APR (variable). £3 monthly fee.
Santander Credit Card
Balance transfers
0% for 15 months with no fee
Purchases
0% for 15 months
Representative APR (variable)
18.9% APR
Pay with your iPhone, iPad or Apple Watch with Apple pay. Spendlytics - Santander's new app, lets you analyse & track your credit card spend.
Once the 0% deal ends the balance transfer rate will be 18.9% p.a. variable with a 3% fee.
Representative Example: The standard interest rate on purchases is 18.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 18.9% APR (variable).

Santander credit card reviews

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Does Santander provide your credit card?

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9 Dec 2014

Recommended

123 Credit card

The stand-out difference with this card is the cash-back on purchases allied to a reasonable APR. The general terms and conditions are much the same as the rest of the industry and therefore the main feature is the cash-back which is one of the leaders in this industry. Customer service is good and I have had no problems with this card

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25 Nov 2014

Recommended

Credit Card for People like you!

I got my Credit card through Santander because I have a current and saving account with them and always find there customer service to be of a high standard. I think if you're planning on getting a credit card then definitely go with Santander, there customer service will blow your mind, friendly and always happy to help. The credit card is great and always good for emergencies. Even when my card was cloned Santander fixed it and managed to stop it from going any further. Santander is the place that you need to be, nowhere else.

Great customer service and products

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

16 Dec 2014

Recommended

Credit Card Review

I have this credit card as I took out a storecard at Debenhams several years ago which has since transferred to a Santander account. I can't see any problems with it but I don't often use it so I can't comment a great deal about the levels of customer service, value for money and fairness of the account or How you go about applying for a card. At the end of the day it is a credit card.

3
Satisfactory
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25 Nov 2014

Recommended

Fabulous zero commission free credit card.

Unfortunately this card is no longer available. For those lucky enough to have it remember to keep it and use it on your overseas holidays. There is no annual fee and I always pay it off in full via direct debit after my holidays. Always pay in the local currency. Do not use it to withdraw cash from ATM as this will incur a charge.

No commission charge

No longer available

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

24 Nov 2014

Recommended

Brilliant Bank for a First Credit Card

My first credit card was with Santander and I decided to chose them as I have my current account with them. I wanted a simple credit card for my first one as I didn't want any suprise fees or charges and my card offers exactly that. The bank was more than happy to sit down and discuss with me the types of cards available and helped me chose one suited for me.

Good bank

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

9 Dec 2014

Recommended

Good all round card

It was easy to apply for and the card has a good rate of interest. There is friendly customer service when you need it and everything works well. All in all a great product that is in use everyday. Cashback options make using the card worthwhile can it can be linked to a current account for easy direct debit payments. Would recommend.

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

9 Dec 2014

Recommended

Useful with 1-2-3 account

There is a monthly charge on the 123 credit card and on the 123 bank account but if you hold both you only pay one charge. The savings you can make far outweigh the charges, and now there are partner suppliers which can make savings larger still. this combination of credit card and bank account provides the best way of managing sums up to £20,000.

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25 Nov 2014

Recommended

Best credit card for Cashback rewards

This is the best card for earning Cashback from supermarket shopping, department stores and petrol - paid into your account each month. Found it through internet search on money sites - came out at the top frequently. Customer service very helpful.

You'll also be earning Cashback on your current account as well with utility bills.

Absolute no brainer for me.

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

9 Dec 2014

Recommended

advantages of a satander123 account

they have the best interest rates especially on direct debit and on all your bills and shopping. The staff in the branch get to know you and welcome you with a smile and friendly chat. The bonus very quickly builds up and you will be surprised how much you have earned in twelve months. any difficult queries can be resolved in branch or on a free phone to their head office

local branch,great interest rates on 123

4
Good
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

25 Nov 2014

Recommended

Santander Credit Card

The Santander credit card is very good. It gives cash-back on many purchases which easily covers the charge for using the card. I have found it very useful in many different situtaions and would thoroughly recommend it. The fact that is can be linked to anotehr Santander account which pays it off by direct debit every month is also very useful.

Ease of use. Cashback

5
Excellent
  • Customer service

  • Value for money

  • Flexibility & fairness

  • Product features

Does Santander provide your credit card?

Tell us what you think of them because it will help others.