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The 123 Credit Card

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

1% cashback at all major Supermarkets
Including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer or Budgens plus many others.

2% cashback at all major Department stores
Including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Selfridges plus many others.

3% Cashback at all major Petrol Stations and on National Rail and Transport for London travel (on combined spend of up to £300 a month)1
Including BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's, London Underground, First Great Western, Greater Anglia, Arriva Train Wales, ScotRail and many others (3% cashback applies on spend up to £300 per month).1 

0% for 18 months on purchases2

Not only can you earn cashback on purchases at supermarkets, department stores and on travel spend, you can also spread the cost of all your purchases, with no interest to pay for 18 months from the date of account opening.

 The 123 Credit Card is contactless.

The 123 Credit Card now comes with contactless technology, making it easier and quicker to pay for items less than £20. Click here for more information on contactless and how it works.

All these great card benefits are yours for an affordable annual fee.  See the representative example for details.

1. Includes all major retailers, 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

0% for 18 months on purchases

2. At the end of the 0% purchase rate 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.

First year fee refund

3. No annual 123 Credit Card fee for the first year. To qualify for this refund you must: (i) open or hold a 123 Current Account; and (ii) open or hold a 123 Credit Card (iii) set up a Direct Debit from the 123 Current Account to pay your 123 Credit Card within 30 days of either opening your 123 Current Account or 123 Credit Card (whichever occurs latest). The annual fee charged for the first year will then be refunded to your 123 Credit Card account within 21 days from the later of (i) activating your card and/or (ii) setting up the Direct Debit from your 123 Current Account. Offer valid until 31/12/2014.

How does cashback work?

Where can I earn cashback?
You can earn cashback at all major supermarkets, department stores and petrol stations1. You can also earn cashback on tickets purchased for travel on National Rail (which includes all major UK train operating companies), from online train ticket retailers, for Transport for London travel and trains operated in Northern Ireland by NI Railways. Cashback at the rates above can only be earned at retailers categorised as supermarkets, department stores, petrol stations, passenger railways or railroads merchants by MasterCard. To find out more view our list of retailers.

Are there any exceptions?
There will be a few exceptions to the level of cashback that will be awarded to you.  For example, Marks & Spencer stores are defined as a supermarket (not a department store), so you will earn 1% cashback.  Some petrol stations may be classed as supermarkets too. TfL travel cards, passes and Oyster card top-ups purchased from newsagents, garages and off-licences, Northern Ireland Railways train tickets purchased online and train tickets purchased at travel agents and tour operators do not qualify for cashback.

When will I receive my cashback?
The total cashback earned each month will be credited to your next monthly statement. 

When will I be charged my annual fee?
An annual fee will be charged at account opening and will show on your first statement and every year thereafter. See the Representative Example for details. Even with an annual fee, the card still offers the prospect of generous rewards. 
Use our cashback calculator to see how much cashback you can earn.  

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. 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.