1|2|3 Credit Card Santander Credit Card
Card Design    
Cashback 1 Up to £9 a month (£3 in each cashback category) None
0% on Balance Transfers 2 23 months from the date of account opening 15 months from the date of account opening
0% on Purchases 2 23 months from the date of account opening 15 months from the date of account opening
Balance Transfer Fee2 No balance transfer fee in the 23 month introductory period No balance transfer fee in the 15 month introductory period
Foreign Transaction Fee3 0% until 31/12/16 2.95%
Access to 1|2|3 World Offers Yes - special deals and preferential rates across a range of products Not applicable
 
Monthly Fee £3 £0
Standard Purchase Rate 12.7% p.a. (variable) 18.9% p.a. (variable)
Representative Example 0% p.a. on card purchases for 23 months followed by 12.7% p.a. (variable) on card purchases. This is equivalent to 18.4% APR representative (variable) based on an assumed credit limit of £1200. Monthly fee: £3. 0% p.a. 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.
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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.

  1. Cashback and balance transfer terms, limits and exclusions apply. 1% cashback in supermarkets. 2% cashback in department stores. 3% cashback on petrol, National Rail or Transport for London travel. Includes all major retailers. The maximum monthly cashback that can be earned in each category is £3 (a maximum of £9 cashback in total).

  2. 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.

  3. 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. Offer ends 31 December 2016.

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 or by contacting the FCA on 0800 111 6768. Santander and the flame logo are registered trademarks.