ClearScore is a credit broker, not a lender.

The Santander Everyday Credit Card offers balance transfer capability and a 0% purchases period, and rewards in the form of Santander Boosts. The sections below set out the balance transfer options, rates and fees.

Santander Everyday Credit Card Review

The Santander Everyday Credit Card is a combination of purchases card, balance transfer card and rewards card, and there are two options: a no fee balance transfer and a long term balance transfer. Some other cards on the market offer longer 0% promotional periods. One feature of the Santander card is that all successful applicants receive the full advertised period, rather than a shorter one for some. This applies to both purchases and balance transfers.

(Top Tip: To find out if a card will give the full advertised period of 0% interest, or if you might get a shorter period once approved, see if they say "0% interest on balance transfers for X months" or "0% interest on balance transfers for up to X months". If they include "up to" then you might get a shorter 0% period.)

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

Santander Credit Card Offers

As of 15 September 2026, the latest Santander credit card offers for balance transfers are:

The "Everyday No Balance Transfer Fee Credit Card" listed above has no initial balance transfer fee and no monthly fee.

Santander Boosts

The Everyday card used to provide a cashback program to users who were signed up for Online or Mobile Banking. Consumers earned bonuses of up to 15% off select retailers, including various supermarkets, food, and entertainment. However, these Retailer Offers are not included with the cards anymore. Instead, cardholders now get access to Santander Boosts, with rewards including cashback, vouchers, prize draws and other offers personalised for you.

Sign up for Santander Boosts through the Mobile Banking app or in Online Banking, then you’ll be able to choose the offers you like and earn rewards at participating retailers:

• Earn cashback when you shop online at a wide range of retailers

• Receive vouchers and coupons for discounts on a variety of products and services

• Get offers personalised to your individual interests and hobbies

• Enjoy free gifts and enter prize draws

Santander Balance Transfer Credit Card

Is the Everyday card Santander's balance transfer credit card? The Everyday card is Santander's "free" (i.e. no monthly account fee) balance transfer card. It has two balance transfer options (shorter and longer 0% periods) and has no monthly account fee.

Santander does have another card that provides balance transfers, called the All In One card - this one provides 0% on balance transfers for 15 months with no balance transfer fee, but there is a £3/month account fee.

Bottom Line: The Santander Everyday Credit Card offers balance transfer options and a representative rate close to the market average, alongside Santander Boosts rewards, with no monthly account fee.

Santander Everyday Credit Card Features

Representative example: Representative 24.9% APR variable. Based on an assumed credit limit of £1,200 at a purchase rate of 24.9% p.a. (variable) with no annual fee.

It is important to note that the Santander purchase APR is nearly the same as the average credit card interest rate in the UK, which reached 24.66% in May 2026 - the highest level in over 30 years.

You can apply for the Everyday card if:

• you’re a permanent UK resident

• you're at least 18 years old

• you have a gross annual income of at least £10,500

• you have not declared bankruptcy or had a CCJ or an IVA within the last 6 years

Balance Transfers

Balance transfers can substantially reduce interest charges on existing credit card debt. As long as you make your monthly payments on time and pay off the debt within your 0% APR intro period, you will pay no interest charges while you work to become debt free.

For example, a consumer making £35 monthly payments on a balance of £1,000 on a card charging the May market average of 24.66% (or the Santander 24.9% rate) will save approximately £530 in interest by switching to a 0% deal. At current interest rates, the potential saving from a balance transfer can be substantial.

You can read more about balance transfer cards here, including our balance transfer calculator which tells you how many months of 0% interest you'd need to pay off your debt, depending on your starting credit card balance and the amount you can pay each month.

Santander Everyday Credit Card Minimum Payment

The minimum payment on the Santander Everyday Credit Card is calculated as follows:

"All default fees, monthly fee (if applicable), payment protection insurance premiums, and interest plus 1% of the remaining balance shown on your statement, plus any arrears payable (subject to a minimum of £5)."

Let's look at a simple example where there are no default fees, monthly fees, payment protection insurance premiums or arrears. In other words, the simple calculation of the minimum payment due on the balance if you've kept up to date with all your payments to date, have no default fees, etc.

A cardholder with a £1,000 balance would pay 1% of the remaining balance (or £10 because 1% of £1,000 = £10) plus any interest owed. If you're in the initial 0% period then this would be £0 so your monthly payment would be £10. With the current 24.9% APR, a £1,000 balance would generate approximately £21.50 in monthly interest. Consequently, your minimum payment (typically interest plus 1% of the balance) would start at around £31. Because most of the minimum payment goes to interest rather than the balance, paying only the minimum clears the debt very slowly.

Paying the minimum only at 24.9% would mean it takes over 19 years to pay back the debt, paying interest of more than £1,800 over time.

Card details correct as of 15 September 2026. Terms, rates and features are subject to change — always verify current details before applying. This article is for general information only and does not constitute financial advice.