Excellent4.2

81% of customers recommended from 420 ratings

Santander Credit Card is a division of Santander UK plc that provides credit cards to UK residents. Santander Credit Cards company registration number is 2294747. Santander Credit Cards are authorised by the Prudential Regulation Authority (PRA) and regulated by both the Financial Conduct Authority and the PRA. Santander Credit Cards are covered under the Financial Services Compensation Scheme (FSCS) and fully adheres to the Data Protection Act 1998.

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)
16.5% APR
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 16.5% APR (variable). £24 annual fee.
Santander Credit Card
Balance transfers
0% for 15 months with no fee
Purchases
0% for 15 months
Representative APR (variable)
18.9% APR
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).

money.co.uk, Dot Zinc Limited, 160 Fleet Street, London. EC4A 2DQ. We are a Credit Broker for all consumer credit products promoted on money.co.uk.

We provide an independent comparison service free of charge but we may receive a commission from some of the companies we refer you to. These are indicated with purple buttons.

Santander Credit Card Reviews

Order:

Got a Santander credit card? Tell us about your experience because it will help others. Add a review.

123 Credit card

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by johnap17

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

by , 9 Dec 2014 report review

Credit Card for People like you!

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by jamesdunnmusic

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

by , 25 Nov 2014 report review

Credit Card Review

Satisfactory

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by jessi006

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.

by , 16 Dec 2014 report review

Fabulous zero commission free credit card.

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by Mrsthrifty

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

by , 25 Nov 2014 report review

Brilliant Bank for a First Credit Card

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by charlot22

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

by , 24 Nov 2014 report review

Good all round card

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by matt_g

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.

by , 9 Dec 2014 report review

Useful with 1-2-3 account

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by rochja

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.

by , 9 Dec 2014 report review

Best credit card for Cashback rewards

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by dazdogs

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.

by , 25 Nov 2014 report review

advantages of a satander123 account

Good

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by patan78

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

by , 9 Dec 2014 report review

Santander Credit Card

Excellent

  • Customer Service

  • Value for Money

  • Flexibility & Fairness

  • Product Features

Recommended by pwalker65

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

by , 25 Nov 2014 report review

Other Credit Card Issuers