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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 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 Santander credit card is best? How we calculate Santander's customer score and ratings Santander credit card FAQs

Coronavirus (COVID-19) credit card update


A range of credit card providers are offering to increase limits as well as temporarily waive late payment charges and cash advance fees in a bid to help ease the financial hardship caused by the coronavirus outbreak.

You can find more of the latest updates and advice related to the COVID-19 outbreak over on our dedicated Which? coronavirus information hub.

What do Santander credit cards offer? 

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

The All in One deal comes packed with leading offers on interest-free purchases, balance transfers and 0.5% unlimited cashback plus fee-free overseas spending rolled into one card.

How does Santander compare to other providers?

Santander achieved an above average score of 74% in our latest credit card satisfaction survey, comfortably securing a top ten position.

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Santander review
Which? Customer Score
8th out of 29 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 and query handling.

Santander credit card satisfaction


Star rating
Customer service

4 out of 5

Application process

4 out of 5

Clarity of statement

4 out of 5

Transparency of charges and penalties

3 out of 5

Dealing with queries

4 out of 5

Dealing with complaints

4 out of 5

Ability to manage online

4 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

3 out of 5

Which Santander credit card is best?

You can explore the best Santander 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 5,621 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?


Santander doesn't currently offer a 'soft search' to help you see if you qualify for a deal before applying.

To make sure you have a good chance of being successful, you should check your credit report and, if needed, take steps to improve 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.