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Santander credit card review

Find out how Santander has been rated for its overseas fees, customer service, mobile app and more in our latest credit card customer satisfaction survey.

In this article
Coronavirus (COVID-19) credit card update What do Santander credit cards offer?  How does Santander compare to other providers? Is Santander a good credit card provider?
Which 0% purchase credit card is best? How we calculate Santander's customer score and ratings Santander credit card FAQs

Coronavirus (COVID-19) credit card update

The Financial Conduct Authority (FCA) wants lenders to continue to offer payment holidays on credit cards, loans and other finance agreements in a bid to help ease the financial hardship caused by the coronavirus outbreak.

Keep on top of the latest news and advice related to the COVID-19 pandemic with Which?

What do Santander credit cards offer? 

Santander offers a broad range of credit cards including a 0% balance transfer, fee-free overseas credit card and a unique all-rounder deal.

The All in One Credit Card comes with interest-free purchases, balance transfers and 0.5% unlimited cashback, as well as fee-free overseas spending.

How does Santander compare to other providers?

Santander achieved an above-average score of 73% in our latest credit card satisfaction survey, sitting just outside of the top 10 in joint 13th position.

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Santander review
Which? Customer Score
=13th out of 30 credit card providers
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Is Santander a good credit card provider?

Our survey also reveals how Santander customers rated the provider across 10 categories.

Find out in the table below how Santander scored for its application process, online account management, telephone banking, mobile app, statement clarity, transparency of charges, overseas usage fees, customer service, query handling and complaint resolution.

Santander credit card satisfaction ratings


Star ratings

Star ratings out of five show levels of satisfaction for each category. Where no stars are given, we received too few responses in our survey to award a score.

Customer service

5 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

5 out of 5

Dealing with queries

5 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

5 out of 5

Ability to manage by mobile app

4 out of 5

Ability to manage by telephone banking

4 out of 5

Charges for using your credit card abroad

4 out of 5

Which 0% purchase credit card is best?

Below are the top five 0% purchase credit cards deals on the market right now.

How we calculate Santander's customer score and ratings

We pick credit cards to feature in Which? brand reviews based on the most popular brands searched for online.

Customer scores are based on an online survey of the public, which received 6,537 responses in total. They are calculated using a combination of overall satisfaction and the likelihood of recommending the provider to a friend.

Star ratings for each category are scored independently of the customer score.

These surveys are carried out annually and customer scores are updated accordingly. Providers must receive a minimum sample size of 30 respondents to be included in our customer satisfaction tables.


Santander credit card FAQs


Does Santander offer an eligibility check?


Yes, Santander offers a 'soft search' to help you see if you qualify for a deal before applying without affecting your credit score.


Where are Santander credit cards accepted?


Santander issues its credit cards on the Mastercard network, so you will be able to use the card in millions of places in the UK and abroad.


Do Santander credit cards charge for using abroad?


Santander won't charge fees on overseas spending if you use the World Elite, Zero or All in One card.

Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms & conditions of a provider before committing to any financial products.