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Santander Everyday No Balance Transfer Fee Credit Card review

If you need to pay off a balance and want to save on interest, we explain why this could be the card for you.

Last updated: 20 April, 2022

Why you can trust this review

Representative Example: The standard interest rate on purchases is 20.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).

Balance transfers

0% for 21 months

Balance Transfer Fee

£0

Representative APR

21.9%

Annual Fee

£0

Santander Everyday No Balance Transfer Fee Credit Card:  Who is it best for?

The Santander Everyday No Balance Transfer Fee Credit Card does exactly what it says on the tin.

If you’re looking to pay off a balance from one (or several) credit cards without paying interest or fees, then this card checks all the boxes.

The interest-free period of 21 months offers plenty of time to pay off a balance without paying any interest on the debt. And you don’t pay a fee for transferring your balance.  

On top of that, if you need to make purchases at the same time, you get 3 months interest free on purchases. And if you opt in for the Retail Offers scheme, you can get up to 15% cashback on purchases with select retailers, just by using your Santander credit card. 

Once the interest free period ends, the standard interest rate kicks in at a less than ideal, but competitive 21.9%.

Important to note:

You won't be able to get this card if you already have an existing Santander balance transfer credit card.

Santander Everyday No Balance Transfer Fee Credit Card: Benefits & disadvantages

  • 0% interest on balance transfers for 21 months

  • No balance transfer fee

  • No annual fee

  • Up to 15% cashback through Santander's Retailer Offers scheme

  • Competitive interest rate

  • There are other cards that offer longer interest free periods on balance transfers and purchases

  • 0% interest on purchases for only 3 months

  • Foreign transaction fee of 2.95%, or 3% on cash withdrawals, with a minimum £3 charge.

  • You’re unlikely to be approved if you have a low credit score

Santander Everyday No Balance Transfer Fee Credit Card: What we liked

There’s little confusion about what this credit card is designed for. But it does help that it offers just that little bit extra to make it more appealing.

Lengthy interest free period

At 21 months, the interest free period isn’t the longest that’s available in the market, but it’s still at the higher end of the spectrum and you don’t pay any fee to transfer. If you want a longer interest-free period, you're more likely to be charged a balance transfer fee.

Retailer Offers

Once you switch on Retailer Offers in online or mobile banking, you’ll be able to choose the offers you’re interested in and earn up to 15% cashback just by using your Santander credit card.

Santander Everyday No Balance Transfer Fee Credit Card: What could be better

There’s not much to knock about this card, but there are a few things that could be better given what’s available in the market.

Short 0% interest period on purchases

The three month 0% interest-free period for purchases isn’t anything to brag about, especially with Buy Now Pay Later companies like Klarna and ClearPay offering “pay in three” options at no interest. 

Most users getting this card are probably better off focusing on paying off their balance than being tempted to add to their debt with new purchases. 


High foreign transaction fees

This is not a card you’d want to use when travelling abroad. There's a 2.95% non-sterling transaction fee, compared to 0% available elsewhere.

But again, this isn't meant to be a travel credit card, so it's probably a good idea to to leave this one at home when you’re travelling. 


Santander Everyday No Fee Balance Transfer Fee Credit Card: Final verdict

This card hits the sweetspot with a lengthy interest free period and no fee for balance transfers. The Retail Offers scheme is a useful add-on benefit that gives uses some opportunities to save money, but it’s not a reason to pick this card.

However, the limited interest-free period on purchases leaves a little to be desired, but this card isn’t designed to be a combo balance transfer and purchases card.

Overall, this credit card doesn't come with a lot of bells and whistles, but it isn't meant to. If all you need is to pay off a balance while saving on interest and fees, this card could be a good option.

Santander Everyday No Balance Transfer Fee Credit Card: Details, fees, requirements

IssuerSantander
NetworkMasterCard
Annual Fee£0
Balance Transfer Rate0% interest for 21 months
Balance Transfer Fee£0
Purchase Rate0% interest for 3 months
Cash Advance Fee3% (minimum £3)
Representative APR21.9% (variable)
Rewards OfferEarn up to 15% cashback with Retailer Offers
Monthly/Annual Fees£0
Balance Transfer Fee£0
Cash withdrawal/Cash advance fee 3% (minimum £3)

Application requirements

To apply, you must meet the below requirements:

  • Be aged 18 years or over

  • Be a UK resident

  • Have a UK bank or building society account

  • Have a good credit history

  • Have a personal income of more than £7,500 


How does it compare?

42 results found, based on transferring £1000 and paying £100 a month. Sorted by payment term and costs. Find out more about how our calculator works and how we order our comparisons.
Sort
£
£
Santander Everyday No Balance Transfer Fee Credit Card
Balance transfers
0% for 21 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
21.9% APR
Pay the balance over
10 months with no fees or interest
Santander Everyday No Balance Transfer Fee Credit Card
Once the 0% deals end, you will be charged at 21.9% p.a. variable on any outstanding balances. Earn up to 15% cashback through Retailer Offer, a free service through Online and Mobile Banking.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,500
UK Resident
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
Balance transfers
0% for 21 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
20.9% APR
Pay the balance over
10 months with no fees or interest
Sainsbury's Bank No Balance Transfer Fee Credit Card (21 Mths)
No balance transfer fee applies to transfers made within the first 3 months. For transfers made after this period, the fee may vary.
Balance Transfer fee of 0% or 1% applies to transfers made within your first three months, depending on your individual circumstances. The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 17 or 13 months instead, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 20.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 20.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)
Balance transfers
0% for 15 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
21.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Balance Transfer Credit Card (15 Mths) (21.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (15 Mths) (23.9%)
Balance transfers
0% for 15 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
23.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Balance Transfer Credit Card (15 Mths) (23.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (15 Mths) (25.9%)
Balance transfers
0% for 15 months with no fee
Balance transfer fee
No fee
Representative APR (variable)
25.9% APR
Pay the balance over
10 months with no fees or interest
Virgin Money Balance Transfer Credit Card (15 Mths) (25.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the no fee deal; otherwise the fee will be 5%.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
MBNA Balance Transfer Low Fee Card
Balance transfers
0% for 28 months with a 0.99% fee
Balance transfer fee
0.99%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £9.90
MBNA Balance Transfer Low Fee Card
Balance Transfers must be made within the first 60 days to get the promotional offers.
The duration of the introductory offer may vary depending on your personal circumstances.
Representative Example: The standard interest rate on purchases is 21.94% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Balance Transfer Credit Card (28 Mths) (21.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 21.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 21.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Sainsbury's Bank Balance Transfer 28 Month Credit Card
Balance transfers
0% for 28 months with a 1% fee (£3 min.)
Balance transfer fee
1% (£3 min.)
Representative APR (variable)
21.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Sainsbury's Bank Balance Transfer 28 Month Credit Card
A Balance Transfer fee of 1% or 1.5% applies on transfers made within the first 3 months, depending on your individual circumstances (£3 minimum). The charge will depend on your current offer thereafter.
Sainsbury's Bank may offer you a 0% interest period on balance transfers of 28 or 20 months, depending on your individual circumstances.
Representative Example: The standard interest rate on purchases is 21.95% p.a. (variable), so if you borrow £1,200 the Representative APR will be 21.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£10,000
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (25.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
25.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Balance Transfer Credit Card (28 Mths) (25.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 25.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 25.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 25.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident
Virgin Money Balance Transfer Credit Card (28 Mths) (23.9%)
Balance transfers
0% for 28 months with a 1% fee
Balance transfer fee
1%
Representative APR (variable)
23.9% APR
Pay the balance over
11 months with fees & interest of £10.00
Virgin Money Balance Transfer Credit Card (28 Mths) (23.9%)
Virgin Money Back offers cardholders the ability to earn cashback on their credit card spend at participating retailers when they are enrolled in the programme via the mobile app'. Use Virgin Money’s Card Checker to see your chances of being accepted.
Transfer a balance within 60 days of opening an account to get the 0% deal; otherwise the rate will be 23.9% p.a. variable with a 5% fee.
Representative Example: The standard interest rate on purchases is 23.9% p.a. (variable), so if you borrow £1,200 the Representative APR will be 23.9% (variable).
Eligibility
Credit Ratinggood
Minimum Age18 years
Minimum Income£7,000
UK Resident

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