Santander 123 Credit Card

Full product details for the Santander 123 Credit Card. Make your 123 card the smart way to pay, if you're with us, you're rewarded. Earn up to 3% cash back on petrol. Compare with other credit cards.
from 53 ratings
53 customers rated their Santander credit card as 3.6 out of 5 in our 2010/2011 Consumer Finance Awards.
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Santander 123 Credit Card Features & Benefits

Representative ExampleThe annual purchase rate is 18.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.8% (variable)+£24 fee p.a
Intro Balance Transfer Rate19%No introductory rate for balance transfers available.
Intro Balance Transfer Duration1 monthsIntroductory balance transfer rate applies for 1 months.
Intro Balance Transfer Window1 monthsThe introductory period runs for 1 month from account opening.
Intro Balance Transfer Fee5%Introductory balance transfer fee of 5.00% (minimum £5.00) applied.
Intro Purchase Rate19%No introductory rate for purchases available.
Intro Purchase Duration1 monthsIntroductory purchase rate applies for 1 months.
Minimum Age18 yearsMinimum age for applicants is 18 years.
Minimum Income£7,500A minimum income of £7500 per annum is required.
Annual Fee£24£24.00 annual fee is payable.
Representative APR22.8%Representative APR is 22.8%.
Cashback & Rewards Credit Cardyes 
International Charges2.95%Transactions made in foreign currencies within Europe are charged a 2.95% fee.
Air MilesnoThere is no travel reward programme available.
AvailabilityrestrictedAnnual £24 fee.
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Terms & Conditions
Excellent and easy to understand
Pamela

Compare Santander 123 Credit Card With These Credit Cards

American Express Nectar Credit Card

  • Get 19.9 percent representative APR from American Express.
  • New customers get 1.53 percent mthly purchase intro rate from American Express.
  • Purchase interest AER of 20%.
  • Get 28% cash credit rate.
  • Get a maximum purchase protection cover of £2,500.
  • Representative Example: The annual purchase rate is 20% p.a.(variable) so if you spend £1,200 your representative APR will be 19.9% (variable).

British Airways BA American Express Premium Plus Credit Card

  • The credit card gives £2,500 max purchase protection cover.
  • Get a cash loan rate of 27.9% from this credit card.
  • Get a max lost luggage cover of £1,000 from the BA American Express Premium Plus Credit Card.
  • 1.527 percent mthly purchase intro rate is offered with BA American Express Premium Plus Credit Card.
  • BA American Express Premium Plus Credit Card gives a maximumtravel delay cover of £200.
  • Representative Example: The annual purchase rate is 19.9% p.a.(variable) so if you spend £1,200 your representative APR will be 50.1% (variable)+£150 fee p.a

First Trust Credit Card Option 2

  • Customers can take advantage of 16.9 percent cash credit rate.
  • Get interest free period on cash withdrawals of 51 days from the Credit Card Option 2.
  • Have the benefit of a maximum balance transfer fee of £0.
  • You get £0 minimum bal transfer fee from First Trust.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

M&S Credit Card

  • Mthly balance transfer intro rate of 1.24% is available.
  • New customers get 23.9% cash loan rate.
  • Balance transfer fee of 2.9% is available to applicants.
  • An initial purchase duration of 15 months is offered by M&S.
  • 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).

Smile Classic Visa (Current Account holders)

  • Smile gives representative APR of 16.9 percent.
  • A yearly fee of £0 is offered by Smile.
  • Applicants benefit from 0 percent balance transfer fee from Smile.
  • 16.9 percent purchase interest AER.
  • Get £0 max balance transfer fee from Smile.
  • Customers get 1.313 percent monthly balance transfer rate from Smile.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Tesco Bank Tesco Clubcard Credit Card

  • 16 months initial purchase duration is offered to customers.
  • Applicants take advantage of 0% initial balance transfer rate from this Tesco Clubcard Credit Card.
  • Maximum balance transfer fee of £0 is available with Tesco Clubcard Credit Card.
  • 0% monthly purchase intro rate is offered with Tesco Clubcard Credit Card.
  • This Tesco Bank credit card has a monthly balance transfer rate of 1.408%.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).

Northern Bank Standard MasterCard Credit Card

  • You get £0 maximum intro balance transfer fee.
  • Minimum balance transfer fee of £0 is available with this credit card.
  • Have the benefit of a maximum balance transfer fee of £0 from this credit card.
  • Customers benefit from £0 annual fee from the credit card.
  • Representative Example: The annual purchase rate is 22.9% p.a.(variable) so if you spend £1,200 your representative APR will be 22.9% (variable).

AA Members Reward Credit Card Ex/C

  • £0 yearly fee is offered with Members Reward Credit Card Ex/C.
  • The credit card offers a minimum bal transfer fee of £5.
  • Mthly balance transfer intro rate of 0 percent.
  • This Members Reward Credit Card Ex/C has a 0 percent monthly purchase intro rate.
  • Representative Example: The annual purchase rate is 16.9% p.a.(variable) so if you spend £1,200 your representative APR will be 16.9% (variable).
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