The Santander Zero Credit Card

The Santander Zero Credit Card is perfect for everyday spending and travel

Exclusive to our current account, mortgage or investment customers.  It’s easy to apply, simply log on to Online Banking and click on the Credit Card link where you see ‘Apply online’, or see below for other ways to apply.

New to Santander! Take advantage of this exclusive offer by opening one of our current accounts.  

Perfect for everyday spending and travel

No balance transfer fees¹ – Exclusively for our current account, mortgage or investment customers.

Pay no balance transfers fees for any transfers made in the first three months from your account being opened. That means on a typical balance transfer of £3,000 you could save up to £90 compared to other UK cards which normally charge 3%. 

0% for 6 months on balance transfers² and purchases

You pay 0% interest on balance transfers from other credit and store cards, for a full 6 months from the date you open your account. On a £3,000 balance transfer, that could save you up to £339⁴ in interest payments.

Also if you use your Santander Zero card to make purchases, you won’t pay any interest on them for six months from the date you open your account. 

0% foreign exchange fee

You pay 0% on all your foreign exchange transactions. That means when you’re abroad the price you see is the price you pay.

0% cash advance fee ³

You pay 0% in cash advance fees when you withdraw cash from an ATM in the UK or abroad. Typically other credit cards charge you 2.75%

•  Typical 18.9% APR (variable) 

1 The no balance transfer fee offer is available for the first three months after opening the account if you have a current account, mortgage or investment product with Santander UK plc or Alliance & Leicester plc at the point of applying for the account

2 The smallest amount you can transfer is £100. The total amount of balances you can transfer cannot be more than 95% of your credit limit. If the total transfer you want to make is above your available credit limit, we may allow you to transfer part of this amount. You cannot transfer balances from other Santander Group accounts (including cahoot).

3 Some independent cash machine providers may charge a fee for cash withdrawals. We charge interest on cash withdrawals at a standard rate of 27.9% APR. We charge interest on all cash withdrawals from the date the amount withdrawn is added to your account balance.

4 This is the interest you could save over six months by making a balance transfer of £3,000 to a Santander Zero Credit Card Account at the promotional rate of 0%  from the date you open the account. We have assumed that you make the minimum payment each month, that you are not in an initial or promotional period on your current credit or store card and that the APR on your current credit or store card is 16.9%.