Representative example
Card purchases for 23 months
0% p.a.
Followed by
12.7% p.a. (variable)
Representative APR
18.4% (variable)
Assumed credit limit
£1,200
Monthly fee
£3

Find out which retailers offer cashback on your purchases

Important information

Credit is subject to status, available to permanent UK residents aged 18 years or over. You must agree to us conducting a credit check, have an income of £7,500 per year or more and have a good credit history, for example, no county court judgments or bankruptcy history.

£3 monthly fee applies.

  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 £100 a month on either petrol or rail and TfL travel or a combination of these. Purchases not eligible for cashback include (a) TfL Travelcards, Bus and Tram 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

  2. The savings figure indicates the interest saving over the 23 month 0% period compared to the APR on your existing credit card. The calculator assumes that you will continue to make monthly repayments of the amount entered in the calculator, that there are no further transactions, that there is a fixed interest rate charged on your existing credit card and that you are not in an initial or other promotional period. At the end of the 0% period, balance transfer fees will apply. Interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 12.7% p.a. (variable). You can transfer more than one balance up to a total of 95% of your credit limit. The smallest balance you can transfer is £100. You can also transfer part of a balance. You can’t transfer balances from other Santander Group accounts (including cahoot).