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.
- Find out more: coronavirus payment holidays on credit cards and loans
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.
- You can compare Santander credit cards, plus hundreds of other deals, on Which? Money Compare.
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.
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 | |
| Application process | |
| Clarity of statement | |
| Transparency of charges and penalties | |
| Dealing with queries | |
| Dealing with complaints | |
| Ability to manage online | |
| Ability to manage by mobile app | |
| Ability to manage by telephone banking | |
| Charges for using your credit card abroad | |
Which 0% purchase credit card is best?
Below are the top five 0% purchase credit cards deals on the market right now.
- You can explore more of best 0% credit card deals using Which? Money Compare.
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.
