Santander is one of the leading banking groups that offers a range of credit cards with diverse features to suit different customers, including cards giving 0% on balance transfers and cashback on purchases. Santander has recently developed its product range across credit cards with the aim of giving users everything they need from personal finance in one place. The 123 range is the core of their business, offering cashback on everyday spending through current account and credit card. You can take benefit of one of the longest 0% balance transfer periods on the market and pay nothing towards transferring your balance with Santander. Santander is a leading credit card provider that offers a range of solid cards.
The Everyday Credit Card by Santander differs from the others is that for the first 27 months, customers aren’t charged interest on purchases or balance transfers. This means that you can consolidate any smaller store or credit card debt and work towards paying off the balance instead of just the interest. What you will need to watch out for is that once this period is over, you will be charged interest at 18.9% representative APR on your remaining balance. During the initial period you get a slightly lower balance transfer rate at 2.75%, which raises to 3% after the 27 month introductory period is finished.
You can manage your Santander Credit Card both online and on mobile. If you access your account with your mobile then you’ll be able to see transactions and statements, view the amount of cashback you’ve earned and register for various offers. With online banking you can also make payments to your card, set up alerts and change your personal details.
For a £3 monthly fee, it offers:
With this card, you don’t need to pay interest on balance transfers and balance transfer fee.
This card brings value both at home and abroad.
For a £15 monthly fee, it offers:
Santander has a nice range of cards, but they have different features and benefits on offer. Explore the features of each card and then decide the best one for you. Think of questions like do you need a long balance transfer offer, or are you better off with 0% interest on purchases? Use eligibility criteria for the card you need. Santander looks for users having good credit record and no history of county court judgments or individual voluntary arrangements.
Once you submit an online application form on a website, you are answered within 15 minutes. Occasionally, an application may be referred for manual evaluation, which may take few days to answer. If your application is approved your Santander credit card and PIN will arrive in the mail within 7 to 10 working days.
You can use phone call and email to talk with the representatives.
If you have a good credit and need to consolidate smaller cards then the Santander Everyday Credit Card is a nice option. Make sure you have cleared your balance in last 27 months otherwise you would pay interest on it.