All in One Credit Card Everyday Credit Card Zero Credit Card
Card Design    
0% on balance transfers1 40 months from the date of account opening 15 months from the date of account opening Not applicable
0% on purchases1 6 months from the date of account opening 15 months from the date of account opening Not applicable
Balance transfer fee1 1% 0% 3%
Foreign transaction fee2 0% 2.95% 0%
Cashback on card 0.5% on all purchases None  None
Cashback through Retailer Offers

5 welcome offers – earn up to 25% cashback

Ongoing cashback – earn up to 15%

5 welcome offers – earn up to 25% cashback

Ongoing cashback – earn up to 15%

5 welcome offers – earn up to 25% cashback

Ongoing cashback – earn up to 15%

Monthly fee £3 £0 £0
Standard purchase rate 15.9% p.a. (variable) 18.9% p.a. (variable) 18.9% p.a. (variable)
Representative example 0% on card purchases for 6 months followed by 15.9% p.a. (variable) on card purchases. This is equivalent to 21.7% APR representative (variable) based on an assumed credit limit of £1,200. Monthly fee: £3. 0% on card purchases for 15 months followed by 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200. 18.9% p.a. (variable) on card purchases. This is equivalent to 18.9% APR representative (variable) based on an assumed credit limit of £1,200.
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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. At the end of the 0% period, balance transfer fees will apply and interest will be charged on new purchases and any outstanding balance transfer and purchase balances at the standard purchase rate.

  2. We will convert the foreign currency using the exchange rate set by MasterCard and won’t charge a foreign transaction fee (also known as a Non-Sterling Transaction fee). Please make sure you choose the local currency option when using your card abroad. If you choose sterling, it means that the retailer will handle the conversion and may charge you a fee.

Santander UK plc. Registered Office: 2 Triton Square, Regent's Place, London, NW1 3AN, United Kingdom. Registered Number 2294747. Registered in England and Wales. www.santander.co.uk. Telephone 0800 389 7000. Calls may be recorded or monitored. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Our Financial Services Register number is 106054. You can check this on the Financial Services Register by visiting the FCA’s website www.fca.org.uk/register. Santander and the flame logo are registered trademarks.