Learn more about Santander Everyday No Balance Transfer Fee Credit Card and know how you can apply!
The Santander Everyday No Balance Transfer Fee Credit Card is designed for those seeking simplicity in managing their finances without the burden of high fees, allowing you to add up to 3 additional cardholders. It can cater to individuals looking to consolidate debt or just keep their credit card spending in check.
Its 0% interest and no fee on balance transfers for the first 12 months, helps you consolidate all your credit card debts into one manageable payment. If you enjoy having a card that can give you rewards, you can still get a taste of it with this card and, the best part, without monthly fees. Want to learn more about it? Keep reading and get to know its benefits and how to apply!
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What are the benefits of Santander’s Everyday No Balance Transfer Fee Credit Card?
- No Monthly Fee: it does not come with a monthly fee, making it a low-maintenance option for those who want to avoid paying just to have a card;
- No Balance Transfer Fees For 12 Months: one of the standout features of this card is the absence of balance transfer fees for a whole year, making it a great option for anyone looking to consolidate their debts from other cards without being hit by extra costs;
- 0% Interest on Balance Transfers for 12 Months: in addition to no transfer fees, it offers 0% interest on balance transfers for the first 18 months, which is a significant advantage for those looking to pay down existing debt efficiently;
- 0% Interest on Purchases for 3 Months: alongside the balance transfer offer, new cardholders also benefit from 0% interest on purchases for the first 3 months, allowing for interest-free spending on everyday items during this period;
- Santander Boost: all you need to do is sign up for Santander Boosts through your Mobile Banking app or in Online Banking. You can then choose the offers you like and earn rewards with your favourite retailers;
- Online and Mobile Banking Access: cardholders have full access to Santander’s online and mobile banking services, providing an easy way to manage spending, track payments, and stay on top of their finances;
- Fraud Protection: Santander offers robust security measures to protect against unauthorized transactions, including alerts for suspicious activity and zero liability protection.
Pros vs Cons?
| ✔️ PROS | ❌ CONS |
| No Monthly Fee |
Minimum Income Of £10,500+ |
| Internacional Coverage |
2,95% International Transaction Fee |
| 0% Interest On Balance Transfers For 12 Months
No Fee To Transfer A Balance For The First 12 Months 0% Interest On Purchases For 3 Months |
After Introductory Rate, APR is 23.9% |
How do I apply for the Santander Everyday No Balance Transfer Fee Credit Card?
To be eligible for this credit card, you must be over 18 and you need to live in the UK and provide 3 years’ address history, have an income of £10,500+, and haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years. Here’s how it works:
Santander provides an online application process. So, access their credit card website and click on the option: “Apply”. During the application, you must provide any personal and financial information requested.
Then the bank will conduct a creditworthiness assessment to evaluate your credit history, income stability, and repayment capacity. This assessment helps determine the likelihood of credit card approval. Keep in mind that, the approved credit limit will also depend on it.