Santander Credit Card
From Santander
Summary
Santander Credit Card is provided by Santander.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 13 months.
This makes Santander Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
The representative APR is 16.9%APR variable.
New customers will receive an introductory balance transfer rate of 0% for 13 months.
This makes Santander Credit Card a good option if you're looking to transfer an existing credit card balance and don't want to make purchases.
How long will it take to repay with the Santander Credit Card
Balance transfer
Purchases
Fixed payment
By switching to the Santander Credit Card, you could pay off £1000 in by budgeting £50 each month. This would effectively cost you £50.
Minimum payment
By comparison, if you only make the minimum payment each month, it would take to repay, costing you a total of £169,613 on top of the original balance!
If this seems high, that's because your minimum payment is calculated as a percentage of your balance. This means each payment will be slightly lower than the month before which will have less effect on clearing your balance. So be smart and pay as much as you can afford!
Customer reviews (1)
"when it is good it is very very good"
when it is good it is very very good, trying to get through to customer services is expensive and non productive, their security is so good they suspend accounts with no reason, no communication.expensive to phone, and long waiting times to be given no information.
Rates & Charges
Introductory rates
Balance transfers
0% for 13 months 13 cards better than this
Balance transfer fee
3% or £5 minimum 137 cards better than this
Purchases
0% for 3 months 71 cards better than this
Ongoing rates
Typical APR
Balance transfer rate
Balance transfer fee
5% or £5 minimum
Balance transfer limit
Unknown
Cash advance rate
27.5%
Fees and Charges
Annual fee
£0
Cash advances
3% or £3 minimum 60 cards better than this
Foreign currency transactions
Late payment fee
£12
Over limit fee
£12
Returned payment fee
£12
Insurance and Protection
Payment protection
Payment protection
Free payment protection
Free warranty cover
Free price protection insurance
Online fraud protection
Online fraud protection
Travel insurance
Lost luggage cover
Travel delay insurance
Travel insurance upgrade
Requirements to qualify
Minimum credit history
Good
Minimum age
18
Minimum income
£0.00
Must be employed
Yes
Repayment
Interest charged from
Debit
Interest-free period
56 days
Interest-free period on cash advances
None
Time to make payment after statement date
25 days
Minimum payment
1% of balance or £5
Payment by direct debit
Available
Rewards
Not available
Better deals on balance transfers
Better deals on purchases
