How to Get a Santander Credit Card That Is Right for You

If you’re looking for a lender that will give you a variety of options, check out Santander Bank. Santander has a range of options when it comes to their line of cards. Each person has their own reason for getting a credit card, and that means there is no one-size-fits-all option.

You might need a card to help you through a rough financial patch or maybe you just want a card to keep your purchases organized. If you are feeling happy about your finances, you might just be looking for perks and rewards for the money you spend.

Santander has a variety of cards that offer things like cashback, travel, air miles, free accommodation, special store discounts, and more. Our editors have looked into each Santander credit card and evaluated them based on a wide variety of factors. The top picks are listed below; make sure you read everything before you decide on which card is best for you.

How to Get a Santander Credit Card That Is Right for You
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Santander All in One Credit Card

As the name suggests, the All in One credit card comes as an all-rounder offering that promises longer interest-free periods, amazing cashback, and free-of-charge holiday spending.

Benefits and Features

In particular, users can enjoy 0% interest on balance transfers with no balance transfer fee and 0% interest on purchases for 26 months from account opening.

You also get to experience 0.5% cashback on all purchases, with no foreign transaction fees. Spenders even get to earn up to 15% cashback with retail offers.

Eligibility and How to Apply

The eligibility requirements for this credit card are pretty simple. They are as follows.

  • You must be at least 18 years old and live in the UK permanently
  • You must have a minimum income of £7,500+ per year
  • You must not already have an All in One Credit Card
  • You must undergo a credit and status check

To apply for this card, simply visit the Santander Bank website and click the Apply button. The application takes no more than 10 minutes.

Rates and Fees Associated

Take a look at some, but not all, of the info regarding rates, fees, and other financial details you face when using this credit card.

  • Account fee: £3/month
  • APR after the intro period ends: 21.7%
  • Purchase rate: 15/9%
  • Assumed credit limit: £1,200
  • Late payment fees: None from 31 March 2020 until 31 January 2021; reverts to £12 from 1 February 2021

Santander Everyday Credit Card

Looking for a credit card to use for your daily purchases? With Santander’s Everyday Credit Card, the search is now over.

Benefits and Features

Specifically designed for everyday use, this credit card comes with 0% interest on balance transfers with no balance transfer fee for 18 months and 0% interest on purchases for 3 months.

Some benefits of this card include the special retailer offers, which can earn you up to 15% cashback at many major retailers when you buy with your Everyday card.

Moreover, you receive account alerts with ease of access, and you can control your card from the mobile app.

Eligibility and How to Apply

The eligibility requirements for this everyday card include the following.

  • You must be 18 y.o. or over
  • You must live in the UK permanently
  • You must have a minimum income of £7,500+ per annum
  • You must not already hold another Santander balance transfer credit card
  • You must be willing to undergo status and credit checks

To apply for this card, fill out the easy online application on the Santander Bank website, which takes no more than 10 minutes.

Card Rates, Fees, and Other Financial Details

  • Account fees: none
  • APR: 18.9% representative (variable)
  • Purchase rate: 18.9% (variable)
  • Assumed credit limit: £1,200
  • Late payment fees: None from 31 March 2020 until 31 January 2021; reverts to £12 from 1 February 2021

Santander Zero Credit Card

Want to get a credit card that will serve as a great travel companion as you explore every inch of the world?

With Santander’s Zero Credit Card, you can now take a flight towards your dream destination while enjoying fee-free currency conversion and cash withdrawals.

Benefits and Features

Specifically, the card comes with 0% interest on all purchases for 12 months from account opening.

Plus, it has no foreign transaction fees on purchases made abroad in the local currency and no cash withdrawal fee anywhere in the world.

You can also earn up to 15% with retailer offers as a cardholder.

Eligibility and How to Apply

To be eligible to apply for this card, you must meet these criteria.

  • You must be at least 18 y.o. and a permanent UK resident
  • You must have a minimum yearly income of £7,500
  • You must not already hold a Zero card
  • You must be willing to undergo status and credit checks

Applying for this card is easy. All you have to do is visit the Santander Bank website, click on the Apply button, and fill out the 10 minute application.

Rates, Fees, and Other Financial Info

  • Account fees: none
  • APR: 18.9% representative (variable)
  • Purchase rate: 18.9% (variable)
  • Assumed credit limit: £1,200
  • Late payment fees: None from 31 March 2020 until 31 January 2021; reverts to £12 from 1 February 2021

Santander World Elite™ Mastercard®

Willing to take on your credit card commitment to the next level? If you’re a frequent traveler who wants to experience only the best on each of his trips, then the Santander World Elite™ Mastercard® might come as the perfect card option for you.

Benefits and Features

Having the card, you’ll get access to over 1,000 airport lounges plus 1 million Wi-Fi hotspots across the globe.

As if these perks weren’t enough, you’ll even get to enjoy 24/7 Mastercard Concierge, a 40% discount on Santander Travel Insurance when you apply online, and 0.5% cashback on all your purchases up to £3,000 per month.

Cardholders also avail of 0% interest on purchases and balance transfers for 18 months, and no foreign transaction fees on purchases abroad made in the local currency.

Eligibility and How to Apply

The eligibility criteria are as follows.

  • You must be at least 18 y.o. and a permanent UK resident
  • You must be a Santander Select or Private banking customer
  • You must not already have the World Elite card
  • You must be willing to undergo status and credit checks

To apply, visit the Santander Bank website and click Apply, which takes no more than 10 minutes.

Rates, Fees, and Other Financial Info

  • Account fees: £15/month
  • APR: 49.8%
  • Purchase rate: 18.9% (variable)
  • Assumed credit limit: £1,200
  • Late payment fees: None from 31 March 2020 until 31 January 2021; reverts to £12 from 1 February 2021

How to Contact Santander

How to Get a Santander Credit Card That Is Right for You

Have you found the right credit card for you? To learn more about them you can get in touch with Santander Bank via the contact information listed below.

Santander’s head office address is 2 Triton Square, Regent’s Place, London, NW1 3AN.

Additionally, you can call Santander at 0800 9 123 123.

Conclusion

To assess which Santander credit card will work best for you, you should consider the details regarding rates and fees, benefits, and more.

If you find a cart that meets your needs, begin applying online today!

Risk disclaimer: There may be risks involved when applying for a credit card. To know more about this, visit the bank’s Terms and Conditions page.