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Credit Cards

A range of credit cards designed to meet your needs

Whether you want a credit card that pays you cashback; offers a long term balance transfer period; a low balance transfer fee or 0% on purchases, then we have what you are looking for.

NEW! Improved 123 Credit Card, now with 0% for 18 months on purchases1

All of our cards come with these great benefits

  • Up to 56 days interest-free credit on purchases. 
  • Online account management.
  • Online fraud protection.
  • Apply for additional cards for your family.

 Important Information

* The credit limit which applies to you will depend on our assessment of your application

1. Purchase rate from date of account opening. At the end of the 0% period, if you haven't paid off the amount of the purchases in full, interest will become payable on the remaining amount at your standard purchase rate.
2. Cashback on everyday spend includes all major retailers within our cashback categories, UK train operating companies, online train ticket retailers and trains operated in Northern Ireland by NI Railways. 3% cashback applies on spend up to £300 a month on either petrol or rail and TfL travel or a combination of these. Purchases not eligible for cashback include (a) TfL travelcards, passes and Oyster Card top up purchases made at newsagents, garages and off-licences (b) NI Railways train tickets purchased online (c) Eurotunnel Le Shuttle and (d) train ticket purchases from travel agents or tour operators. Other cashback exclusions, limits and terms apply. Full cashback terms can be accessed here.
3. Only one Santander Balance Transfer Credit Card can be held at any one time. Balance transfer rate from date of account opening. The smallest amount you can transfer is £100. The total amount of transferred balances may not be more than 95% of your credit limit. If the total transfer you ask for is above your available credit limit, we may allow you to transfer part of this amount. You cannot transfer balances from other Santander Group accounts (including cahoot). At the end of the 0% period, if you haven't paid off the amount of the balance transfer in full, interest will become payable on the remaining amount at your standard balance transfer rate.

Credit is available, subject to status, only to UK residents aged 18 and over. Credit is provided by Santander Cards Limited. Santander UK plc acts as a credit intermediary and only offers credit cards for Santander Cards Limited.

Santander Cards Limited. Registered Office: 2 Triton Square, Regent’s Place, London NW1 3AN, United Kingdom. Registered Number 3932752. Registered in England. Authorised and regulated by the Financial Conduct Authority, including for the provision of payment services under the Payment Services Regulations 2009 (reference number 467596). You can check this on the Financial Services Register by visiting the FCA’s website or by contacting the FCA on 0800 111 6768.  Santander and the flame logo are registered trademarks.

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