Credit cards

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

 

Discover a range of credit cards designed to help you pay smarter.

Show me the cards
 

Pay smarter with our credit cards


Whether you’re managing everyday spending, transferring existing balances, or making your money work harder with cashback and rewards.

Have the confidence of:

  • Rewards that give a little something back on your daily spend.
  • Control to manage payments your way.
  • Security that keeps your details safe, at home and abroad.

Checking if you’re eligible takes just a few minutes – and it won’t affect your credit score.

Once you’ve found the right card, applying online is quick and simple.

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.

 

Rewards

Santander Boosts

Turn your everyday shopping into something more.

  • Join Santander Boosts and get cashback, vouchers, exclusive offers and prize draws with your favourite retailers.
  • Pick the deals you like, shop as normal, and we’ll make sure you get the rewards you’ve earned.

Priceless Experiences

Experiences that stay with you long after you've paid the bill. With priceless.com, discover unforgettable events and offers in the cities where you live and travel. Only with your Santander Mastercard.

Control

  • Choose how and when to pay. Clear your balance when your bill arrives or make smaller payments throughout the month - whatever works for you.
  • You usually get up to 56 days interest-free, and if you pay in full and on time, you won’t pay any interest at all.
  • Use our Mobile Banking app to stay in control. Card controls let you turn on and off certain types of purchases, like online, international, contactless and gambling.
  • Register for free account alerts by text or email. These help to keep you safe and in control of your money. We can send you alerts when you’re near your credit limit, to help you avoid fees.

Simple. Flexible. In control.


 

 

 

Security

  • See something suspicious? Block your card instantly in our app and let us know. You’ll be protected, and no money has left your current account.
  • Problem with a purchase? We’ll help you raise a claim to get your money back.
  • Lost your card? Freeze it in seconds using our app. If you find it later, just unfreeze it — no need to wait for a new one.
  • Buy with confidence – you’ll get protection under the Consumer Credit Act for some purchases. Section 75 protects you if certain things go wrong.

Because your card shouldn’t just help you pay — it should help you feel secure too.

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 34 months from account opening (3.15% 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 34 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 34 months (3.15% 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