Calculate how much you could save if you transfer a balance to the Everyday Credit Card

Pay less interest

On balance transfers for 27 months from account opening1 (2.75% fee applies, £5 minimum)


On purchases for 27 months from account opening

No monthly fee

Up to 56 days interest free credit on purchases when you pay your balance in full and on time each month, even after the interest free period has ended 

At the end of the 0% period, a 3% balance transfer fee will apply to any new balances transferred. Interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate of 18.9% p.a. (variable).

You’ll also get

Retailer Offers: Welcome offers – get five cashback offers of up to 25% from a range of major retailers when you switch on Retailer Offers via Online or Mobile Banking. 

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Retailer Offers: Ongoing cashback  - get cashback offers of up to 15% at a variety of online and high street retailers. 

Online and Mobile Banking so that you can manage your account whenever, wherever 

Apple Pay so that you can pay with your device at contactless terminals when you link your card to your iPhone 6 (or later) or Apple Watch

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Up to 3 additional cards for family members at no extra cost (you'll be responsible for the use of and payments on the additional cards)

Representative example
Card purchases for 27 months
0% p.a.
Followed by
18.9% p.a. (variable)
Representative APR
18.9% (variable)
Assumed credit limit

Please read the important information below before applying.  Apply today or complete a previously saved application.   

We offer a range of credit cards. Find out more

Important information

You can apply for a credit card if you’re a permanent UK resident aged 18 years or over, have a gross annual income of £7,500 or more, have a good credit record and have not been declared bankrupt, had a CCJ or an IVA within the last 6 years. You must agree to a credit check as part of the application and this will determine whether or not you’re accepted and the credit limit that we can offer. We reserve the right to refuse any application.


1. Balance transfers must be at least £100 and the total amount of any balances you transfer can’t be more than 95% of your credit limit. If the total transfer you want to make is above your available credit limit, we may allow you to transfer part of this amount. You can’t transfer balances from other Santander Group accounts (including cahoot).

Apple and iPhone are trademarks of Apple Inc. registered in the U.S. and other countries. Apple Pay and Apple Watch are trademarks of Apple Inc.

Information correct as at 4 January 2017.