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Santander Credit Cards

5 CARDS

Santander offers a good selection of credit cards to meet various financial needs, including the popular Santander Edge credit card and the Santander World Elite options. Known for its versatile All in One card, Santander emphasises secure digital banking with easy account management through its mobile app and online platform, supported by strong fraud protection and reliable customer service.

Santander

All In One

3.9

OUR RATING

Representative APR

29.8% APR (variable)

Purchases

0% for up to 15 months, then 23.90% (variable) p.a.

Balance Transfers

0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months)

Account Fees

£3 per month

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., and a fee of £3 per month, most accepted customers get a rate of 29.8% APR (variable).

3.9

OUR RATING

Quick Look

The Santander All In One credit card offers 0% interest on purchases and balance transfers for up to 15 months. It includes a cashback scheme and no fees on foreign transactions, making it a versatile option for everyday spending and travel.

Issuer Santander
Network Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
Incentive on opening You can earn 0.5% cashback (up to £10 a month) on your purchases.
Cashback rate (if applicable) You can earn 0.5% cashback (up to £10 a month) on all your purchases. Some transactions aren’t eligible.
Account Fees £3 per month
Purchases 0% for up to 15 months, then 23.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 15 months, then 23.90% (variable) p.a. (0% fee for 15 months)
Balance Transfer Fee (%) 3.00%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Santander

Edge Credit Card

4.2

OUR RATING

Representative APR

29.8% APR (variable)

Purchases

23.9% (variable) p.a.

Balance Transfers

23.9% (variable) p.a. (3% fee)

Account Fees

£3 per month

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 29.8% APR (variable).

4.2

OUR RATING

Quick Look

The Santander Edge credit card offers a higher cashback rate of 2%, with an annual fee of £36. While the cashback rate drops to 1% after the first year, the potential yearly earnings can make this card worthwhile for Santander customers. Additionally, the card features 0% fees on foreign transactions, making it a good option for frequent travellers.

Issuer Santander
Network Mastercard
Primary Category Cashback
Loyalty Scheme
Incentive on opening Earn 2% cashback (up to £15 a month) on all purchases for the first year.
Cashback rate (if applicable) 2% cashback on purchases for the first year. Maxmimum monthly cashback is capped at £15. After the first year, it's 1% cashback on purchases capped at £15 per month.
Account Fees £3 per month
Purchases 23.9% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 23.9% (variable) p.a. (3% fee)
Balance Transfer Fee (%) 3.00%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Santander

Everyday Long Term Balance Transfer

4.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% 31 months, then 24.90% (variable) p.a. (3.45% fee)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

4.6

OUR RATING

Quick Look

The Santander Everyday Long Term Balance Transfer credit card offers one of the longest 0% interest periods available on balance transfers, with up to 31 months interest-free. While it charges a 3.45% balance transfer fee, the extended promotional period may offset this cost by giving consumers more time to repay their balances without incurring interest.

Issuer Santander
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening Get 3 months interest-free on purchases from account opening and 31 months on balance transfers
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% 31 months, then 24.90% (variable) p.a. (3.45% fee)
Balance Transfer Fee (%) 3.45%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Santander

Everyday No Balance Transfer Fee

3.6

OUR RATING

Representative APR

24.9% APR (variable)

Purchases

0% for up to 3 months, then 24.90% (variable) p.a.

Balance Transfers

0% for 12 months, then 24.90% (variable) p.a. (0% fee for 12 months)

Account Fees

£0

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 24.90% (variable) p.a., most accepted customers get a rate of 24.9% APR (variable).

3.6

OUR RATING

Quick Look

The Santander Everyday No Balance Transfer Fee credit card offers up to 12 months of 0% interest on balance transfers, with no balance transfer fees. It may be a good option for individuals looking to manage existing credit card debt without incurring upfront transfer costs.

Issuer Santander
Network Mastercard
Primary Category Balance Transfer
Loyalty Scheme
Incentive on opening Benefit from 0% interest on balance transfers and no transfer fee for 12 months with this credit card
Cashback rate (if applicable) No cashback scheme
Account Fees £0
Purchases 0% for up to 3 months, then 24.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 12 months, then 24.90% (variable) p.a. (0% fee for 12 months)
Balance Transfer Fee (%) 3.00%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

Santander

World Elite

4.1

OUR RATING

Representative APR

49.8% APR (variable)

Purchases

0% for up to 18 months, then 18.90% (variable) p.a.

Balance Transfers

0% for 18 months, then 18.90% (variable) p.a. (0% fee in introductory period)

Account Fees

£15 per month

Representative Example: At an assumed credit limit of £1,200, with a purchase rate of 18.90% (variable) p.a., and a fee of £180.00 per annum, most accepted customers get a rate of 49.8% APR (variable).

4.1

OUR RATING

Quick Look

The Santander World Elite credit card is designed for travellers seeking premium travel-related benefits. Cardholders can also enjoy a 40% discount on Santander Travel Insurance when applying online, adding extra value for frequent travellers.

Issuer Santander
Network Mastercard
Primary Category Cashback
Loyalty Scheme Cashback
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 rate (if applicable) 0.5% cashback (up to £15 a month) on all purchases
Account Fees £15 per month
Purchases 0% for up to 18 months, then 18.90% (variable) p.a.
Purchases Interest Free Period 56 days
Balance Transfers 0% for 18 months, then 18.90% (variable) p.a. (0% fee in introductory period)
Balance Transfer Fee (%) 3.00%
Cash Advances 29.90% (variable) p.a. (fees apply)
Minimum Credit Limit £ 500.00
Maximum Credit Limit Subject To Status

The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer

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