Compare Santander Credit Cards

Updated: 21st September 2021

If you are on the lookout for interest-free periods, no balance transfer or foreign transaction fees and cashback perks, then a Santander credit card may just be the thing for you. The high street bank is a favourite on the best buy tables, and we have brought together our top picks of what cards it has on the market.

On this page you’ll find details of Santander’s credit card portfolio; as well as what we, at MyWalletHero, think of each feature and reward available.

By reviewing the benefits of each card and combining them with Santander’s services, we’ve gathered together everything you need to know to make an informed choice.

Hero Tips: Must knows about Santander

  1. Watch out for monthly fees

    While Santander offers a full package, for some of its cards this comes at a price. Take notice of the monthly fees attached and weigh up whether what you get in benefits offsets the cost.

  2. Note the end of the interest-free period

    Once the 0% introductory period on either balance transfers or purchases runs out, you’ll have to pay the standard interest rate on your balance. In order to avoid costly interest charges, make sure you have cleared your balance before your 0% introductory period ends.

  3. Use an eligibility checker

    Santander is after borrowers who have a good or excellent credit score. If you are concerned you may not qualify, it’s best to use an eligibility checker before making your application.

Check Your Eligibility

Discover a list of credit cards you may be eligible for. Only takes a few minutes and will not affect your credit score.

MyWalletHero's picks for the top Santander credit cards

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Fees
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Great for: 0% offers, cashback and travel benefits in one card
4.5 stars question mark
Santander All in One credit card in black
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

A highly multi-functional card that should serve a wide variety of users. The All in One card offers 26-month 0% periods on balance transfers and 20 months 0% on purchases. During the promotional period, there’s no balance transfer fee – a very nice benefit.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • 0% interest for 26 months from account opening on balance transfers
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No balance transfer fee
  • ANNUAL FEE:

    £36**
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    0% interest for 26 months from account opening on balance transfers

    0% interest for 20 months from account opening on purchases

KEY SCORES:

  • 5/5 Perks
  • 5/5Fees
  • 2/5APR

HIGHLIGHTS

  • 0% interest for 26 months from account opening on balance transfers
  • No balance transfer fee
  • 0% interest for 20 months from account opening on purchases
  • 0.5% cashback on all purchases
  • No foreign transaction fee (if you pay in local currency)
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • ** The fee for this card is £3 per month, charged monthly (£36 in total annually)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

17.9% p.a. (variable) on card purchases. This is equivalent to 23.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3.

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: balance transfers with no fee
4 stars question mark
Santander Everyday credit card in red
Read full review     Check Eligibility

Completely free and
will not affect your credit score.

* Affiliate partner

Yes, some balance transfer credit cards offer longer 0% introductory rates, but 18 months is still respectable. Better still, you don’t have to stump up an initial balance transfer fee.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 0% interest on balance transfers for 18 months from account opening
  • No fee for balance transfers
  • 0% interest on purchases for the first 3 months from account opening
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

20.9% p.a. (variable) on card purchases. This is equivalent to 20.9% APR representative (variable) based on an assumed credit limit of £1,200.

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

what we like

  • 0% interest on balance transfers for 18 months from account opening
  • No fee for balance transfers
  • 0% interest on purchases for the first 3 months from account opening
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    20.9%
  • INTRO OFFER:

    0% on Balance Transfers for 18 months from account opening
    0% on Purchases for 3 months from account opening

KEY SCORES:

  • 3/5 Perks
  • 4.5/5Fees
  • 3/5APR

HIGHLIGHTS

  • 0% interest on balance transfers for 18 months from account opening
  • No fee for balance transfers
  • 0% interest on purchases for the first 3 months from account opening
  • Special cashback offers of up to 15% with Retailer Offers (you must sign up for this)
  • Note: You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a guaranteed annual income of £7,500 or more (before tax), have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years.

REPRESENTATIVE EXAMPLE

20.9% p.a. (variable) on card purchases. This is equivalent to 20.9% APR representative (variable) based on an assumed credit limit of £1,200.

* This is an offer from one of our affiliate partners. For more information on why and how we work with partners, click here.

Great for: Avoiding fees while travelling
4.5 stars question mark

You can use the Santander Zero Credit Card abroad and not worry about being charged fees. It offers the double benefit of no foreign transaction fee and no cash withdrawal fee both in the UK and abroad, making holiday spending with the card easy and relaxed.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0

what we like

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders
  • ANNUAL FEE:

    £0
  • REPRESENTATIVE APR:

    18.9%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 4.5/5 Perks
  • 5/5Fees
  • 3.5/5APR

HIGHLIGHTS

  • No foreign transaction fees
  • No cash withdrawal fees
  • 0% interest on all purchases for 12 months
  • Up to 3 additional cardholders

REPRESENTATIVE EXAMPLE

Representative 18.9% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Monthly fee £0
Great for: Getting cashback for spending on your business
4 stars question mark

While the card does carry an annual fee of £30, it offers 1% cashback on all business spending, additional cards at no extra cost and no fees for foreign transactions. If you can resign yourself to the annual fee then you could be opening the door to enticing offer.

Read full review >

CREDIT RATING req:

  • Poor/No credit
  • Fair/Average
  • Good/Excellent

HIGHLIGHTS

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 23.7% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £30

what we like

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees
  • ANNUAL FEE:

    £30
  • REPRESENTATIVE APR:

    23.7%
  • INTRO OFFER:

    N/A

KEY SCORES:

  • 3.5/5 Perks
  • 1/5Fees
  • 5/5APR

HIGHLIGHTS

  • 1% cashback on all business spend
  • No additional fee for extra cards
  • No foreign transaction fees

REPRESENTATIVE EXAMPLE

Representative 23.7% APR (variable)
Purchase rate 18.9% p.a. (variable)
Assumed credit limit £1,200
Annual fee £30

Santander Credit Cards

Santander has become a mainstay of the British banking scene ever since it entered the market in 2004. After taking over Abbey National, Bradford & Bingley and Alliance & Leicester, Santander positioned itself as a challenger to the big four banks in the UK.

It has done this by offering competitive retail banking deals, including building up a strong credit card portfolio that regularly tops the best buys. While it doesn’t have an extensive offering, the cards it does have on offer all have their own unique selling point. Plus, there are exclusive offers available that are part and parcel of becoming part of the Santander family.

What does Santander do well?

Santander sells itself largely on interest-free promotional periods. Be it for purchases or balance transfers, its cards tend to include some sort of competitive interest-free offer. While for some of its cards this is the main focus, for others it’s an added bonus.

Another feature of Santander cards is the absence of balance transfer or foreign transaction fees. It’s rare to find a long interest-free period with no balance transfer fee attached, but that is what Santander has on offer with two of its cards. Meanwhile, over half of its portfolio doesn’t carry foreign transaction fees, making spending while abroad a lot more affordable.

There are other benefits to becoming part of the Santander family. Its Retailer Offer programme means you can earn up to 15% from a variety of major retailers including Costa, Sky and Just Eat. You also benefit from 24/7 banking across all your devices. So if you want to set up alerts, view your PIN or block certain transactions, you can do it all via the Santander mobile banking app.

Where does Santander fall down?

While Santander may stand out with the absence of some well-known credit card fees, it falls down with the presence of monthly fees. While not attached to every card, they are common enough among Santander credit cards. Monthly fees are usually attached to cards offering higher reward packages; and you may find it worth it for what is on offer. However, you should always weigh up the cost of the fee against the benefits you stand to receive.

Santander is also focused on borrowers who have a good or excellent credit score. If you are someone who has struggled with credit in the past, you are unlikely to find a Santander credit card you will qualify for. The bank has a minimum income requirement of £7,500 or more per year for the majority of its cards. And for its most elite offering, you will need to be a Santander Select or Private Banking customer in order to be eligible.

What will you find in Santander’s card portfolio?

Santander is a card provider that looks to offer competitive interest-free offers. Be it for balance transfers or purchases, every card in its portfolio has a decent length 0% promotional period.

What you will also find is cashback offers. While they are not the highest cashback yield around, they are a definite perk and can build overtime. Plus, you can combine them with the bank’s Retailer Offers, which give you up to 15% at certain retailers.

Travel is also a big theme in Santander’s card portfolio. Be it the lack of foriegn transaction fees, or more specific travel offers such as access to airport lounges or discounts on travel insurance – Santander has positioned itself as a provider to strongly consider for your travel credit card needs.

How to apply for a Santander card?

Applications can only be made online and it should take just 10 minutes. If you are unsure about being accepted, then you can use Santander’s eligibility checker which will even provide you with an indication of your credit limit.

As part of the application you will need to provide information about your income and outgoings, as well as your address history.

Santander also requires applicants to have an income of at least £7,500 a year.


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