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Santander 123 Cashback Credit Card

The Santander 123 Cashback Credit Card is promoted by Santander, provided by Visa and has a representative APR of 22.8%. Compare all Santander Credit Cards or apply for the Santander 123 Cashback Credit Card now.

Card Details

Card Issuer Credit card issuer	Santander
Merchant Network The Card network the card belongs to	Visa
Card Limit Maximum upper balance limit for card spending	The maximum credit limit is subject to status.

Acceptance Criteria

Min Age Minimum age for applicants	18 Years
Min Income Minimum income required for applicants	A minimum income of £7500 per annum is required.
Credit Rating Credit rating required for successful application of card	Prime

Introductory Balance Transfer Details

Intro Balance Transfer Rate Annual equivalent rate charged on balance transfers for the introductory period	N/A
Duration of Intro Balance Transfer Rate Duration of balance transfer rate for introductory period	N/A
Balance Transfer Limit Maximum upper limit for balance transfers to card	Subject to Status
Intro Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred during the introductory period	There is no fee
Intro Min Balance Transfer Fee Minimum fee for transferring a balance during the introductory period	There is no fee
Intro Max Balance Transfer Fee Maximum fee for transferring a balance during the introductory period	There is no fee

Introductory Purchase Rate Details

Intro Purchase Rate Annual equivalent rate on card purchases during the introductory period	N/A
Duration of Intro Purchase Rate Duration period for introductory purchase rate	N/A

Standard Rates

APR Representative (Variable) Annual Percentage Rate Typical (Variable) - this figure considers both the annual interest charged on purchases and any annual fees	22.8%
Purchase Rate Annual equivalent rate for purchases	19.0%
Balance Transfer Rate Rate charged on card palance as an annual equivalent percentage after any introductory period ends	19.0%
Cash Advance Rate Rate charged on cash advances as an annual equivalent percentage	29.9%

Benefits

Cash-Back Reward Cash-back reward for spending	The standard cashback reward is 2.00% for purchases in stores. Customers will receive up to 3% on purchases.1% at supermarkets2% at shops3% at petrol stations (maximum £300 per month)
Air Miles Airmiles travel reward scheme available	There is no travel reward programme available.
Shopping Reward Program Shopping reward scheme available	A shopping reward scheme is not available.
Points Scheme Points reward scheme available	No points scheme available.
Other Incentives Additional card incentives available	N/A
Charity Affiliation Affiliations to any charities for card spending	This is not a Charity Affiliation account.

Cashback Scheme Details

Introductory bonus on Cash-Back Cash-back bonus on introductory period.	There is no introductory cashback incentive.
Max Spend that earns Cash-Back Where a cash back reward scheme is active, the maximum amout of spending permitted to earn cash back.	There is no maximum annual cashback spend on purchases in shops and supermarkets, there is restriction on the maximum monthly spend at petrol stations (maximum £300 per month).

Fees and Terms

Interest Free Period Number of days for interest free period	Up to 56 days interest free period.
Min Payment Minimum monthly payment required as a percentage of that month's total bill	N/A
Min Payment Minimum monthly payment required if any balance is outstanding	£5
Annual Fee Annual fee for card	£24.00 annual fee is payable.
Balance Transfer Fee Fee for transferring balance as a percentage of the amount transferred outside of any introductory period	5%
Min Balance Transfer Fee Minimum fee for transferring balance	£5
Max Balance Transfer Fee Maximum fee for transferring balance	No Limit
Cash Advance Charge Charges for a cash advance as a percentage of the cash advance amount	A handling fee of 3.00% will be charged on the amount of any cash advance.
International Charges Charges for overseas transactions on card as a percentage of transaction	Transactions made in foreign currencies within Europe are charged a 2.95% fee.
Order of Repayments The order in which the various different types of credit are repayed when you pay over your monthly balance	If the cardholder does not pay the statement balance in full on the payment date, payments will be allocated in the following order:Cash AdvancesFees and chargesBalance TransfersPurchases

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