Santander Everyday credit card puts cashback and 12 months 0% balance transfer to work with no monthly fee

The Santander Everyday credit card is carving out a niche in the UK market by combining cashback rewards with a 12-month 0% balance transfer and no monthly fee. For households wanting to cut interest on existing debt while earning back a little on day-to-day spends, this card presents a practical, low-cost option.

Core features that matter

The Santander Everyday credit card offers 0% on balance transfers for 12 months and 0% on purchases for an introductory period, plus a representative APR of 23.9% thereafter. It stands out because there’s no balance transfer fee for the first 12 months and no monthly account fee to worry about.

Eligibility typically expects a minimum annual income of around £10,500 and a good credit rating, so it’s aimed at customers who already have a solid credit history. The card also integrates with Santander Boosts to make earning cashback straightforward across many high-street and online retailers.

Cashback and everyday value

Cashback is the headline benefit: the Santander Everyday credit card rewards routine spending, turning supermarket shops, fuel and online buys into small returns that add up. This helps offset living costs without complicating your finances.

Because there’s no monthly fee, you keep more of the cashback you earn. Combined with the 12-month 0% balance transfer, the card is especially useful for people who want to reduce interest on existing balances while still getting value from everyday purchases.

Managing the card and repayments

Santander’s mobile app and online banking make it simple to track spending, set up balance transfer amounts and make repayments. Alerts and statements help you stay on top of the 0% period so you avoid interest once the promotional term ends.

Make sure to prioritise clearing transferred balances within the 12 months to maximise savings. If you plan to carry purchases beyond the introductory 0% on buys, check the ongoing APR and repayment options in branch if you prefer face-to-face advice.

How it compares and who should pick it

Compare the Santander Everyday credit card with other UK balance transfer offers from major banks like HSBC, NatWest and Halifax. While some rivals may offer longer 0% periods, Santander’s combination of cashback plus no monthly fee and a 12-month 0% balance transfer is a hard-to-beat package for many.

This card is best for UK residents with good credit who want to consolidate debt interest-free for a year and keep earning cashback on everyday spending. If you meet Santander’s eligibility checks, it could be a smart, practical addition to your wallet—consider checking your eligibility online or visiting a branch to apply.