Rating based on 73 reviews

Santander Credit Card


  • 24/7 concierge service
  • No monthly fees
  • Low-interest starting from 29.9%

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Author Santander. Screenshot of Santander website. [Accessed September 8, 2021]

About Santander

Santander stands out amongst the rest - we offer the most competitive rates on all of our credit products.

We are mindful of various other comparable channels through with an individual can get a crisis loan; you can go to a payday loan lender, or converse with your bank but, a credit card from Santander is simply more convenient and, best of all, interest-free!

Choose a reputable provider like Santander

  • By choosing to utilize Santander's website you are doing what is known as comparison shopping from your personal computer - and finding the best rates while also establishing what you should be looking for. We help you to discover the best rates and loans in the quickest and most advantageous way. Whether you're looking for a quick cash loan, a credit card or a current account - Santander has the products to suit you!
  • Our competitors may offer you the best products but can they really live up to their promises? We can. This is the reason they guarantee that their costs are low - they want to stand out just enough to be noticed but Santander simply does better. We offer you better rates, a more secure banking interface and a more diverse range of products and services.
  • If you already bank with us and want to apply for a credit card, the following step is to complete the application and thereafter select the credit card offers that best suits you and your lifestyle. With Santander, you can get your instant loan or credit card online, from the comfort of your home.

Santander Services

There are numerous reasons why a credit card is helpful to have around.

They are acknowledged around the world, and in case you're not keen on carrying money, a card could be a convenient alternative arrangement.

Cover unexpected costs and emergencies with a credit card

A credit card can likewise be a valuable approach to cover crisis costs – for example, repairing your fridge or your car when it's broken down. A credit card offers you a free short term loan for times just like these! 

Use your card to buy things online

Utilizing your credit card to purchase items online is simple as well as safer too, because of advanced security and fraud protection measures.

Credit card exchanges are carefully monitored by banks for false movement, so on the off chance that you are influenced with credit card fraud, you won't need to pay for the purchases you didn't make; rather, inform us and we will resolve the rest.

Santander – Credit card

  • Loan Type Credit cards
  • Interest Rate from 29.9%

Benefits of Santander

  • No fees charged for purchases made abroad
  • Get exclusive access to offers
  • No fees for the first 6 months

Choose a Santander credit card for convenience, affordability and great benefits

Santander has a range of very affordable, flexible and convenient credit cards.

We have two credit card products that have been specially designed to cater to all your needs whether you're interested in 0% interest on purchases or balance transfer or if you're looking for a great low rate deal.

Interest-free credit card

Our 1, 2, 3 credit card is perfect for you if you're looking for a card that gives you fantastic cashback rewards for your spending and a 23 month 0% interest deal for all purchases and balance transfers. If you're looking to make larger purchases and spread the balance to make it more affordable then the Santander credit card is a perfect option for you. Forget payday loans and other expensive forms of borrowing - get an interest free Santander credit card!

Why risk carrying cash? Use a credit card instead.

It can be more secure to spend on a credit card abroad too – for instance, on the off chance that it gets stolen or lost on the shoreline, you can report it missing quickly and be issued with a substitution card.

Overseen correctly, a credit card has numerous uses in everyday life. It can be helpful in building your credit history, work as a debt consolidation alternative and, likewise serve as a safe way to purchase items online – whether its an occasion in the sun or your week after week shopping. If you're not certain of the benefits of owning a credit card, then you could be passing up a great opportunity - apply for credit online and see just how helpful a credit card can be!

The 1, 2, 3 Credit Card from Santander

  • Earn 1% cashback when you make purchases at a supermarket up to £300
  • Earn 2% cashback when you make purchases at a department store up to £300
  • Earn 3% cashback when you fill up at a petrol station or for your public transport spend up to £100
  • Cashback is credited directly to your account on a monthly basis
  • 0% interest for purchases for 23 months
  • 0% interest on balance transfers for 23 months
  • Transfer up to 95% of your credit limit
  • Interest charged at the end of the interest-free period is 12.7% variable
  • No fees charge for purchases made abroad
  • Get exclusive access to 1, 2, 3 world offers
  • No fees for the first 6 months
  • Use Apple Pay
  • Share the benefits of your 1, 2, 3 credit card with up to 3 loved ones
  • Cash transactions will be charged at 29.9% per annum

Details of the Santander Credit Card

  • 0% interest for purchases for 15 months
  • 0% interest on balance transfers for 15 months
  • No balance transfer fees for 15 months
  • No monthly fee
  • Transfer up to 95% of your credit limit
  • Interest charged at the end of the interest-free period is 18.9% variable
  • Use Apple Pay
  • Get access to great retailer offers via online or mobile banking
  • Share the benefits of your Santander credit card with up to 3 loved ones
  • Cash transactions will be charged at 29.9% per annum
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Santander is a trusted & reliable provider of credit cards

In our review, Santander adheres to the compliance criteria in accordance with the Financial Conduct Authority, where the granting the loan will not cause financial distress to the consumer.

Santander is a registered credit provider in the UK; FCA number 106054

Customer Reviews & Testimonials

July 2019

Your staff are always so supportive. Whether I was applying for a credit card or I had a problem with my card, you have been so helpful.

Charlotte O
— Wakefield —

October 2019

A year ago, I took out a loan from Santander and now more recently, I applied for a credit card. On both occasions, I can say that customer service was splendid!

Rachel S
— Derby —

Santander Contact

Contact Number


  • not available


Physical Address

  • 406 Strand Central London Greater London WC2R 0NE United Kingdom
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Opening Hours

  • not available