Everyday No Balance Transfer Fee Credit Card

Check whether you’ll be accepted and what credit limit we’ll give you before you apply – the check won’t be recorded on your credit file. You might want to do this because if your application is declined it could impact your credit rating.




Representative example
Representative23.9% APR(variable)Purchase rate23.9% p.a.(variable)Assumed credit limit£1,200Monthly fee£0


Balance transfer calculator

Save on interest by transferring your credit card balances.

Find out how much you could save by transferring your credit card balances

(minimum amount £100)

Your estimated savings

You could save £0.00 in interest over 12 months.

This calculator is to give an idea of the savings that you could make based on the information provided. How did we work this out?

Account fee

There is no account fee for this card. 

Minimum repayment

You must make at least the minimum payment each month. The amount and due date will be on your statement.


0% interest on balance transfers

  • Get 12 months interest-free on balance transfers from account opening, with no balance transfer fee for the first 12 months.
  • You can transfer balances from £100 up to 95% of your credit limit.
  • You can’t transfer balances from other Santander or cahoot credit cards or from any type of loan or current account.
  • At the end of the 0% period, a 3% balance transfer fee will apply to any new balance transfers. Interest will be charged on any outstanding balances and new balance transfers at the standard rate of 23.9% p.a. (variable).

When you apply, we’ll carry out a credit check. This will help us to decide the credit limit we can offer. We’ll tell you your credit limit once your application has been accepted.

You can use our eligibility checker to get an idea of your credit limit before you apply. This can help you decide if it meets your needs.

You can request a balance transfer during your application. If you do, we’ll make a payment to your current credit card company when you activate your card. Just make sure you activate it within 45 days of receiving it for this to happen. You don’t need to do anything else.


0% interest on purchases

  • Get 3 months interest-free on purchases from account opening
  • At the end of the 0% period, interest will be charged on any outstanding balances and new purchases at the standard rate of 23.9% p.a. (variable).

Find out more about how credit cards and credit card offers work (PDF - 126 KB)

We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers.


Santander Boosts

With our credit cards you can register for Santander Boosts. Get rewards to give you a little boost when you bank with us.

All you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking. You can then choose the offers you like and earn rewards with your favourite retailers.

  • Earn cashback when you shop online at a wide range of retailers.
  • Get vouchers and coupons for discounts on products and services.
  • Enjoy free gifts and enter prize draws.
  • Get offers personalised to your interests and hobbies.


What you also get

Up to 3 additional cardholders. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn't a Santander customer we may ask for ID for them.

Up to 56 days interest-free period on purchases. This means that if you pay off your balance in full and on time every month, you won’t be charged interest.

Key documents


Ways to bank with us

You’ll get 24/7 banking on all your devices with Mobile and Online Banking. Here are some of the things you can do.


Account alerts

We’ll send you account alerts when you’re near your credit limit to help you avoid fees. We can also make you aware of certain activity on your account. You can manage your alerts settings at any time in Online Banking. If you need more help, please contact us or visit your local branch



Keep your banking details private and secure. 

Visit our Security Centre for more information to help you avoid fraud and scams.

Giving you more – our cards also come with:

Card controls in our app

View your PIN, freeze your card if you lose it and block certain transactions in our mobile banking app.

Get cashback, vouchers, prize draws and other offers personalised for you with Santander Boosts

Card account alerts

We’ll send you alerts when you’re near your credit limit to help you avoid fees.


Information correct as at 3 July 2024.