Santander credit cards: balance transfers, Edge and All in One
Editor, Consumer Finance: Michelle Blackmore
Last Updated: October 5, 2025
In This Article
Santander is one of the UK’s major high street banks and offers a small range of credit cards. Whether you want to move an existing balance, spend abroad with reduced or no fees, or earn everyday rewards, Santander’s cards include features designed for different needs.
On this page we review the main Santander credit cards, explain how they work, and outline Mintify’s independent editorial ratings. You can also use our balance transfer calculator, compare cards side by side, and check your eligibility with a soft search that won’t affect your credit score.
Understand the difference between the Santander balance transfer credit cards
Balance transfer cards let you move debt from other providers onto one card, often at 0% interest for a set period. Santander has more than one card that offers balance transfers including a balance transfer credit card with no fee. Compare Santander balance transfer credit cards to understand which card could suit your needs the most.
Santander Everyday Long Term Balance Transfer Credit Card
This card suits borrowers with larger balances or slower repayment plans who need a longer time to pay off their balance. The transfer fee is balanced by the long 0% period.
Product Features & Benefits
| Account Fee | £0 |
|---|---|
| Representative APR | 24.90% |
| Purchases | 0% for up to 3 months, then 24.90% (variable) p.a. |
| Purchases Interest Free | 56 days |
| Balance Transfers | 0% 31 months, then 24.90% (variable) p.a. (3.45% fee) |
| Incentive on Opening | Get 3 months interest-free on purchases from account opening and 31 months on balance transfers |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Minimum Credit Limit | £500.00 |
Plan Before You Switch
Use our Balance Transfer Calculator to find the right card for you.
If you’re carrying credit card debt, a balance transfer credit card can help you pay it down faster by moving your balance to a new card with 0% interest for a set period. Using a balance transfer calculator helps you understand how much interest you could potentially save by transferring debt from your existing cards to a balance transfer card.
Santander Everyday Balance Transfer No Fee Credit Card
The Santander Everyday Balance Transfer No Fee is a card that has no transfer fees during the 0% introductory period.
A practical short-term option if you expect to clear the balance within a year. Best for smaller balances where avoiding the fee matters more than having a long promotional term.
Product Features & Benefits
| Account Fee | £0 |
|---|---|
| Representative APR | 24.90% |
| Purchases | 0% for up to 3 months, then 24.90% (variable) p.a. |
| Purchases Interest Free | 56 days |
| Balance Transfers | 0% for 12 months, then 24.90% (variable) p.a. (0% fee for 12 months) |
| Incentive on Opening | Benefit from 0% interest on balance transfers and no transfer fee for 12 months with this credit card |
| Cashback/Rewards (if applicable) | No cashback scheme |
| Minimum Credit Limit | £500.00 |
Mintip: Don’t just pay the minimum. Paying only the minimum amount will keep your account in good standing but extends how long it takes to clear the balance. Interest will apply on anything left after the 0% period ends.
Santander All in One Credit Card
Best for people wanting one flexible card that covers 0 interest periods for both balance transfers and purchases, whilst benefiting from no transfer fees for a limited time, cashback rewards, and fee-free use abroad. The monthly fee might be less suited for low spenders or small balances and more suited for those looking to benefit from 0 interest periods for both balance transfers and purchases all whilst earning cashback.
Product Features & Benefits
| Account Fee | £36 |
|---|---|
| Representative APR | 29.80% |
| Purchases | 0% for up to 15 months, then 23.90% (variable) p.a. |
| Purchases Interest Free | 56 days |
| Balance Transfers | 0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months) |
| Incentive on Opening | You can earn 0.5% cashback (up to £10 a month) on your purchases. No fees on foreign transactions. |
| Cashback/Rewards (if applicable) | You can earn 0.5% cashback (up to £10 a month) on all your purchases. Some transactions aren’t eligible. |
| Minimum Credit Limit | £500.00 |
Mintip: Clear the balance before the 0% period ends. When the promotional window ends, the standard APR applies to any remaining balance. Even one missed payment could impact overall savings.
How balance transfers work: key questions answered:
How long do Santander balance transfers take?
Usually 1–2 working days, though it can take longer depending on the other lender.
Can I transfer a balance from another Santander card?
No. Balance transfers must come from a different bank or card provider.
Is there a fee to transfer a balance?
Everyday Long Term Balance Transfer: Yes: 3.45% (minimum £5) during the introductory period; 3% (minimum £5) after.
Everyday No Balance Transfer Fee: No fee during the introductory period; 3% (minimum £5) after.
All in One: No fee during the introductory period; 3% (minimum £5) after. Note there is also a £3 monthly account fee and a cashback scheme with this card.
What happens if I don’t clear the balance by the end of the 0% period?
Any remaining balance will move to the card’s standard APR.
Santander credit card eligibility
Santander considers factors such as income, credit history, and affordability checks.
You can take a free, soft eligibility check for Santander credit cards and other lenders in one go. This doesn’t affect your credit score and shows you the cards you’re more likely to be approved for.
To be eligible for a Santander credit card, you must:
- be a permanent UK resident.
- be aged 18 or over.
- have a guaranteed annual income of £10,500 or more before tax.
- have a good credit record.
- not have been declared bankrupt, had a County Court Judgment (CCJ) or an Individual Voluntary Arrangement (IVA) within the last 6 years.
All credit is subject to final status and affordability checks.
Common reasons applications may be declined
- Already hold another Santander credit card and you are applying to transfer a balance between them (usually not allowed).
- Recent / frequently missed or late payments on other credit accounts.
- High existing debt compared with income.
- Too many recent credit applications leading to multiple hard searches.
- Falling short of the minimum income or residency requirements.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Santander Cashback: Edge vs All in One credit card
Santander offers cashback rewards on both the Edge credit card and the All in One credit card. If you spend regularly, the difference in cashback rate and how much you need to spend to hit the monthly maximum may affect which card gives more value for you.
| Feature | Santander Edge | Santander All in One |
|---|---|---|
| Cashback rate on eligible spend | 1% | 0.5% |
| Maximum cashback per month | £10 | £10 |
| Spend needed to reach max cashback | £1,000 | £2,000 |
| Timing of cashback payment | Statement date following month; any earned but unpaid lost if account closed before statement date | Same policy |
Compare Santander Edge and All in One credit cards in more detail:
Credit Card Comparison
 Santander Edge Credit Card |  Santander All In One | |
|---|---|---|
| Account Fee | £48 | £36 |
| Representative APR | 29.80% | 29.80% |
| Purchases Description | 29.9% (variable) p.a. | 0% for up to 15 months, then 23.90% (variable) p.a. |
| Purchases Interest Free | 56 days | 56 days |
| Balance Transfers | 29.9% (variable) p.a. (3% fee) | 0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months) |
| Incentive on Opening | Earn 1% cashback (up to £10 a month) on all purchases. This means you earn cashback on the first £1,000 you spend on your card each month. | You can earn 0.5% cashback (up to £10 a month) on your purchases. No fees on foreign transactions. |
| Cashback/Rewards (if applicable) | 1% cashback on purchases for the first year. Maxmimum monthly cashback is capped at £10. | You can earn 0.5% cashback (up to £10 a month) on all your purchases. Some transactions aren’t eligible. |
| Minimum Credit Limit | £500.00 | £500.00 |
| Intro Balance Transfers Fee | 0.00% | 0.00% |
| Balance Transfers Fee | 3.00% | 3.00% |
| Foreign Usage (EU) | 0.00% | 0.00% |
| Foreign Usage World | 0.00% | 0.00% |
How Santander Cashback Works
Cashback is earned on eligible purchases made with your Santander card. Eligible purchases include goods or services paid for by you or any additional cardholder.
Some transactions are excluded from earning cashback. Mintify provides a detailed table of these exclusions below. Always check the terms that apply to your account, as Santander may change them at any time.
Cashback is calculated monthly and added to your account on the next statement date. If your account is closed or suspended before then, any unpaid cashback will not be added. You must still always pay at least the amount shown on your statement by the due date.
Mintip: Cashback paid into your account won’t count towards your minimum payment. That means you’ll need to continue to pay the minimum payment shown on your statement by the payment date.
Earns cashback
- Purchases of goods and services made by you
- Purchases made by an additional cardholder on your card
Does not earn cashback
- Balance transfers
- Cash transactions
- Travellers’ cheques or foreign currency
- Interest
- Unauthorised or fraudulent transactions
- Any account charges
- Purchases you cancel or are refunded
- Purchases which take you over your credit limit
Mintip: Watch out for the monthly cashback cap. The Edge and All in One cards cap cashback at £10/month. Once you’ve hit that, further spending won’t earn extra cashback.
How Cashback works: What really matters.
What happens if I get a refund for a purchase?
Refunded purchases are deducted from your total eligible spend for that statement month. If the refund is larger than your eligible purchases, the result will be a negative cashback figure. Santander does not take this negative amount from your account, and your cashback will reset to zero at the start of the next month.
Does cashback count towards my minimum payment?
No. Cashback credited to your account will not reduce the minimum payment shown on your statement. You’ll still need to make at least the minimum payment by the due date.
What about purchases made by additional cardholders?
Cashback earned on additional cardholders’ spending is paid into the main account holder’s card account.
Can Santander change the cashback terms?
Yes. Santander can change the cashback rate, cap, or even remove cashback. If the change is not in your favour, you’ll receive at least 30 days’ notice. If the change benefits you, it may take effect immediately, and Santander will notify you within 30 days. Notices may be sent by post, email, statement messages, or via online and mobile banking.
Santander World Elite Mastercard: Santander’s premium credit card
This is Santander’s premium card. It suits frequent travellers and higher-spending customers who will make full use of the lounge access, no foreign transaction fees, and cashback. The £15 monthly fee means it only makes sense if the combined rewards and benefits outweigh the cost. For occasional travellers or lower spenders, other Santander cards are likely to offer better value.
Product Features & Benefits
| Account Fee | £180 |
|---|---|
| Representative APR | 49.80% |
| Purchases | 0% for up to 18 months, then 18.90% (variable) p.a. |
| Purchases Interest Free | 56 days |
| Balance Transfers | 0% for 18 months, then 18.90% (variable) p.a. (0% fee in introductory period) |
| Incentive on Opening | 0% interest on purchases and balance transfers for 18 months with no balance transfer fee. 40% discount on Santander Travel Insurance when you apply online. Access to over 1,400 airport lounges with LoungeKey. |
| Cashback/Rewards (if applicable) | 0.5% cashback (up to £15 a month) on all purchases |
| Minimum Credit Limit | £500.00 |
Fees & Charges
| Introductory Balance Transfers Fee | 0.00% |
|---|---|
| Balance Transfers Fee | 3.00% |
| Late Payment | £12 |
| Cash Withdrawal Fee | 3.00% |
| Cash Withdrawal Minimum Charge | £3 |
| Foreign Usage (EU) | 0.00% |
| Foreign Usage World | 0.00% |
Alternative credit cards to Santander
If a Santander card doesn’t meet your needs, there are other credit cards on the market. Compare all your options for:
- Balance transfer cards: 0% promotional deals and no-fee options.
- Credit building cards: Including options for balance transfers.
- Travel credit cards: no foreign transaction fees.
Check your eligibility in minutes, with no impact on your credit score, and see which credit cards you’re more likely to be pre-approved for.
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.
Frequently Asked Questions
Can I transfer more than one balance to a Santander card?
Yes. You can transfer multiple balances from different lenders, provided the total stays within your credit limit. You cannot usually transfer a balance from another Santander card. To explore your options, use Mintify’s balance transfer calculator to estimate potential savings, view repayment scenarios, and download a personal repayment schedule.
How long does a Santander balance transfer take?
Transfers normally complete within 1–2 working days, although times can vary depending on the card and the other lender involved.
Is there a fee to transfer a balance?
Does Santander charge for using the card abroad?
No. The Santander Edge and All in One cards do not charge foreign transaction fees which makes them ideal cards for travel. However, overseas ATMs or merchants may add their own charges.
What’s the difference between the Santander Everyday, Edge, and All in One cards?
Can I check eligibility without harming my credit score?
Yes. You can use a free eligibility checker which can run a soft search across Santander and other lenders. This does not affect your credit score and shows you which cards you are more likely to be approved for.
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The content presented here has been impartially gathered by the Mintify team and is offered on a non-advised basis for informational purposes only. We adhere to strict editorial integrity
Find the right Credit Card for you
Does not impact your credit score
Find out which credit cards you’re eligible for
34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited who acts as a credit broker, not a lender.