Santander 123 Credit Card

Full product details for the Santander 123 Credit Card. 3% cashback on National Rail and Transport for London (TfL) travel. Plus you can still earn 3% Cashback at major petrol stations. Contactless payments on items below £20. Compare with other credit cards.
from 236 ratings
236 customers rated their Santander credit card as 4.1 out of 5 in our Consumer Finance Awards and Reviews.
Customer Service
Flexibility & Fairness
Product Features
Value For Money
Compare...
238 credit cards...

Santander 123 Credit Card Features & Benefits

Representative ExampleThe annual purchase rate is 12.7% p.a.(variable) so if you spend 1,200 your representative APR will be 16.5% (variable)+24 fee p.a
Intro Balance Transfer Rate0%0.0
Intro Balance Transfer Duration1 months1
Intro Balance Transfer Window1 months1
Intro Balance Transfer Fee5%No introductory balance transfer rates available.
Intro Purchase Rate0%0.0
Intro Purchase Duration18 months18
Minimum Age18 years18
Minimum Income7,5007500
Annual Fee24If you already have, or if you open a Santander 123 Current Account, Santander will refund the first year's 24 annual fee on your 123 Credit Card. Offer valid until 31/12/2014. Terms and conditions apply.
Representative APR16.5%Representative APR is 16.5%.
Cashback & Rewards Credit Cardyes 
International Charges2.95%2.95
Air Milesno 
Get our free money saving newsletter
Join over 450,000 other subscribers who grab our expert money tips, unmissable money guides & hottest bargains each week in our special email...
Useful and easy to follow.
Claudia

Compare Santander 123 Credit Card With These Credit Cards

British Airways Credit Card

  • 0 annual fee is offered to you.
  • Cash advance rate of 27.9% is offered with Credit Card.
  • Credit Card offers a mthly balance transfer rate of 1.24%.
  • Applicants get date of trans debit rate charged from from this Credit Card.
  • Representative Example: The annual purchase rate is 15.9% p.a.(variable) so if you spend 1,200 your representative APR will be 15.9% (variable).

First Trust Bank Credit Card Option 3

  • Take advantage of a cash advance rate of 14.0 percent.
  • The credit card has a 1.164 percent mthly balance transfer rate.
  • Cash loan limit of 250 is offered to applicants.
  • Get interest charged from date of trans debit.
  • Representative Example: The annual purchase rate is 13.97% p.a.(variable) so if you spend 1,200 your representative APR will be 14.9% (variable).

HSBC Student Credit Card

  • Get a cash advance limit of 250.
  • 18.9 percent representative APR is available with Student Credit Card.
  • This credit card gives a 0 annual fee.
  • You get 18.9% purchase interest AER from this Student Credit Card.
  • A 23.6 percent cash advance rate is offered.
  • The Student Credit Card has an interest rate charged from date of transfer debit.
  • Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend 500 your representative APR will be 18.9% (variable).

Oxfam Flat Rate Credit Card

  • Get a cash loan charge of 0% from the credit card.
  • 0 cash advance charge is available with Flat Rate Credit Card.
  • Flat Rate Credit Card offers a maximum balance transfer fee of 0.
  • Take advantage of a purchase rate AER of 12.9%.
  • Interest charged from date of trans debit is offered with this credit card.
  • Representative Example: The annual purchase rate is 12.9% p.a.(variable) so if you spend 1,200 your representative APR will be 12.9% (variable).

Flybe Credit Card

  • Customers get 5 minimum balance transfer fee from the credit card.
  • Get a cash advance limit of 300 from the Credit Card.
  • Intro balance transfer rate of 0% is available.
  • Get a cash credit rate of 22.9 percent from the Credit Card.
  • You get 3 minimum introductory balance transfer fee from this Credit Card.
  • Representative Example: The annual purchase rate is 18.9% p.a.(variable) so if you spend 1,200 your representative APR will be 18.9% (variable).

Barclaycard Business Credit Card

  • Minimum trading duration of 0 years is offered.
  • Representative APR of 21.9% is offered.
  • Benefit from a minimum yearly turnover of 0.
  • An unlimited maximum annual turnover is available.
  • Customers will get cash credit rate of 27.9%.
  • 0% monthly purchase intro rate is offered with this credit card.
  • Representative Example: If you spend 1,500 at a purchase interest rate of 16.9% (variable) with a 32 annual Fee your Representative APR will be 21.9% (variable).

RBS Business Credit Card

  • Std balance transfer rate of 16.9 percent is available.
  • Business Credit Card gives a representative APR of 23.2%.
  • Applicants can get bal transfer fee of 0%.
  • Mthly balance transfer rate of 1.408%.
  • Representative Example: 23.2% APR representative variable. Based on 1,200 credit limit & annual purchase rate 16.9% p.a. variable.

Reviews related to Santander Credit Cards

Santander Credit Cards
great cash back
the fee
Recommended by gilli11

1% cash back at supermarkets
2% department stores
3% Petrol and train travel.
£24 fee unless you have 123 current account.
Use the card as you would your debit card, earn cash back on most of your purchases then pay back at the end of the month. get your cash back every month. really does work. you can also go on the web to find participating outlets. I think your wallets naked without it.

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


Santander Credit Cards
cashback
fee
Recommended by kachap

good rate of cash back exceeding monthly payment

Customer Service:
Excellent
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent


Santander Credit Cards
Cashback
Recommended by Big_spender

The 123 credit card is great offering cash back on bills

Customer Service:
Average, could be better
Flexibility & Fairness:
Excellent
Product Features:
Excellent
Value For Money:
Excellent