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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
What do Santander credit cards offer?  How does Santander compare with other providers? Is Santander a good credit card provider?
How we calculate Santander's customer score and ratings Santander credit card FAQs

What do Santander credit cards offer? 

Santander offers a range of credit cards including a dual offer, a fee-free 0% balance transferdeal and a card with perks travelers will enjoy. Credit is subject to status and terms apply.

How does Santander compare with other providers?

Santander achieved a below-average score of 71% in our latest credit card satisfaction survey, placing it joint-17th out of the 26 providers we looked at. 

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Santander review
Which? customer score
=17th out of 26 credit card providers
The Which? rating for customer satisfaction is 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 customer satisfaction category Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges

4 out of 5

Charges for using your card abroad

3 out of 5

Dealing with complaints and resolving problems

3 out of 5

Dealing with queries

4 out of 5

Ability to manage account online

4 out of 5

Ability to manage account by telephone

3 out of 5

Mobile app on a smartphone or tablet

3 out of 5


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.

How we calculate Santander's customer score and ratings

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

Customer scores are based on an online survey of the public conducted in May 2021, which received 4,011 responses. Participants could provide answers on up to two credit cards. 

This year’s customer score analysis is based on a sample size of 5,744 credit card experiences in total, and represents overall satisfaction as well as the likelihood to recommend the provider to a friend.

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

We carry out these surveys annually and update our review pages accordingly. Providers must receive a minimum sample size of 50 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 at millions of places in the UK and abroad.


Do Santander credit cards charge when used abroad?


Santander won't charge fees on overseas spending if you use the World Elite 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 T&Cs of a provider before committing to any financial products.