Santander Everyday Long Term balance transfer credit card with 0% for 26 months, cashback perks and no annual fee

Why pick the Santander Everyday Long Term balance transfer credit card

The Santander Everyday Long Term balance transfer credit card gives UK cardholders a clear route to reduce debt with 0% interest on balance transfers for 26 months and no annual fee. This long interest-free period is ideal for spreading repayments without the burden of interest piling up.

With a representative APR of 23.9% after the introductory periods, the real savings come from paying down balances during those 26 months. The card suits people who want to consolidate expensive borrowing and make a focused repayment plan.

Cashback perks, fees and practical costs

Alongside the 0% balance transfer offer, the Santander Everyday Long Term balance transfer credit card includes cashback opportunities through Santander Boosts, with selected retailers offering up to 15% back. Everyday spending can still deliver value while you tackle debt.

Do bear in mind the 3% balance transfer fee (minimum £5) and the 2.95% foreign transaction fee when using the card abroad. For most UK users the balance transfer fee is often offset by interest saved, but always run the sums before transferring large amounts.

Applying, credit limits and managing repayments

Applying for the Santander Everyday Long Term balance transfer credit card is straightforward online, and you can use a soft eligibility check first so your credit score is not affected. Santander usually requires a minimum annual income (around £10,500) and sets a personalised credit limit, with a minimum limit typically from £500.

Set up a direct debit for at least the minimum payment to avoid missed payments and fees; many customers choose a fixed monthly amount to clear the balance within the 0% period. The card also offers 0% on purchases for the first three months, but prioritise the balance transfer to make the most of the longer interest-free window.

Tips to maximise the card and when to consider alternatives

To get the best from the Santander Everyday Long Term balance transfer credit card, transfer high-interest balances early, avoid cash advances (which attract steep fees and high interest), and track spending to stop new debt from growing. Keep old cards open only if they help your credit utilisation and history.

If you travel a lot or need long interest-free purchase periods, compare options: some UK cards waive foreign transaction fees or offer longer purchase interest-free deals. Use the Santander card for consolidation and pair it with a specialist card for travel or everyday cashback to build a balanced credit strategy.