You must make the minimum repayment each month. The amount and due date will be on your statement.
0% interest on balance transfers
- Get 18 months interest-free on balance transfers from account opening with no balance transfer fee
- 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 18.9% 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 18 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 18.9% p.a. (variable).
Purchases and cash withdrawals abroad
You won’t be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency.
If you choose to pay in sterling, the retailer or bank will handle the conversion and may charge you a fee.
Cash transaction fees will be charged on all cash withdrawals, including those made abroad. You’ll be charged interest on the cash you take out from the day it's withdrawn.
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.
You can earn 0.5% cashback on all purchases, up to a maximum spend of £3,000 per month, some transactions aren’t eligible.
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.