Credit cards

Choose the credit card that meets your needs and helps you pay smarter

Pay smarter with a Santander credit card


Discover a range of credit cards to help you pay smarter – from managing everyday spend to making the most of your money.

Offering rewards, control and security, using a credit card could be a smarter way to pay.

Our credit cards are designed to help you in your day-to-day life, whether you’re looking to pay off more expensive balances on other cards, or earn cashback and rewards on your daily spending.

You can check your eligibility before you apply – it’s quick and it won’t affect your credit score.

Once you’ve found the right card, you can apply in just a few steps.

Remember, credit cards are a type of borrowing. If you don’t pay in full by the date on your monthly bill, you’ll be charged interest.

What type of card would you like?

All in One Credit Card

An all round credit card

  • 0% interest on balance transfers for 15 months from account opening with no balance transfer fee
  • 0% interest on purchases for 15 months from account opening
  • 0.5% cashback (up to £10 a month) on all your purchases
  • £3 monthly account fee


Representative example

Representative
29.8% APR
(variable)
Assumed credit limit £1,200
Purchase rate
23.9% p.a. 
(variable)
Monthly fee £3
Check your eligibility
Full details

Everyday Long Term Balance Transfer Credit Card

Our longest balance transfer offer

  • 0% interest on balance transfers for 31 months from account opening (3.45% balance transfer fee applies, min £5)
  • 0% interest on purchases for 3 months from account opening
  • No monthly account fee


Representative example

Representative
24.9% APR
(variable)
Assumed credit limit £1,200
Purchase rate
24.9% p.a. 
(variable)
Monthly fee £0
Check your eligibility
Full details

Everyday No Balance Transfer Fee Credit Card

Save on balance transfers

  • 0% interest on balance transfers for 12 months from account opening
  • No fee to transfer a balance for the first 12 months
  • 0% interest on purchases for 3 months from account opening
  • No monthly account fee


Representative example

Representative
24.9% APR
(variable)
Assumed credit limit £1,200
Purchase rate
24.9% p.a. 
(variable)
Monthly fee £0
Check your eligibility
Full details

Santander World Elite™ Mastercard®

Exclusively for Santander Select and Private Banking customers

Get all these premium features and much more

  • Access to over 1,400 airport lounges with LoungeKey
  • Access Mastercard® Airport Security Fast Track
  • Global Data Roaming provided by Flexiroam
  • No foreign transaction fees on purchases made abroad in the local currency
  • 0.5% cashback (up to £15 per month) on all purchases
  • £15 monthly account fee


Representative example

Representative
49.8% APR
(variable)
Assumed credit limit £1,200
Purchase rate
18.9% p.a. 
(variable)
Monthly fee £15
Check your eligibility
Full details

Want to transfer a balance?
Use this calculator to see which credit card could give you the best savings. Our calculator is for illustrative purposes only, and savings may vary depending on your repayments.

How the calculator works
We’ll show you the credit card options in order of the lowest cost to you based on how much you would like to transfer and pay back each month.

Estimated savings
This is an illustrative example of how much you could save in interest over the months it could take to pay off your balance in full. This is based on you transferring your balance to us from a credit card with an APR of 23.9% and always making the monthly payment entered.

Total cost
This includes any balance transfer fees or monthly fees plus any interest charged over the time it would take you to pay off your balance in full. This does not include your original balance transfer amount.

Minimum amount of £100

This will adjust if the amount you enter is lower than what we think your current minimum payment is on your existing card.

All in One Credit Card v

  • Payment is less than minimum requirement of £
  • 0% Balance Transfer period 15 months
  • Monthly fee £3
  • Estimated savings £0
  • Estimated time to pay off 0 months
  • Balance transfer fee £0
  • Monthly fee + interest charged £0
  • Total Cost £0

Card benefits

  • 0% interest on balance transfers for 15 months with no balance transfer fee.
  • 0% interest on purchases for 15 months.
  • No foreign exchange fees on purchases overseas.
  • 0.5% cashback (up to £10 a month) on all your purchases.

    • Representative example

    Representative 29.8% APR (variable)
    Purchase rate 23.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £3

    Explore All in One Credit Card Check your eligibility

    Everyday Long Term Balance Transfer Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 31 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 31 months (3.45% balance transfer fee applies, min £5).
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday Long Term Balance Transfer Credit Card Check your eligibility

    Everyday No Balance Transfer Fee Credit Card v

    • Payment is less than minimum requirement of £
    • 0% Balance Transfer period 12 months
    • Monthly fee £0
    • Estimated savings £0
    • Estimated time to pay off 0 months
    • Balance transfer fee £0
    • Monthly fee + interest charged £0
    • Total Cost £0

    Card benefits

  • 0% interest on balance transfers for 12 months with no balance transfer fee.
  • 0% interest on purchases for 3 months.

    • Representative example

    Representative 24.9% APR (variable)
    Purchase rate 24.9% p.a. (variable)
    Assumed credit limit £1,200
    Monthly fee £0

    Explore Everyday No Balance Transfer Fee Credit Card Check your eligibility

    Why should I consider a credit card?

    Rewards

    Get offers and discounts from your favourite retailers with Santander Boosts.

    Control

    Stay on top of your spend with account alerts, card controls and My Money Manager.

    Security

    Freeze and unfreeze your credit card plus get Section 75 protection under the Consumer Credit Act for some purchases over £100.