Santander Everyday No Balance Transfer Fee credit card brings 12 months 0% balance transfers, cashback and no monthly fee
Balance transfer credit card in the UK offering 0% on balance transfers for 12 months, Santander Boosts cashback and no monthly fee to help you cut costs and clear existing debt faster
Overview and main advantages
The Santander Everyday No Balance Transfer Fee credit card is aimed at UK customers who want to cut interest on existing debt and earn everyday rewards. With 0% balance transfers for 12 months and a short interest-free purchase period, this no balance transfer fee credit card balances savings with practical cashback perks.
Cardholders benefit from Santander Boosts cashback at a wide range of retailers and a simple pricing model with no monthly fee, making it a straightforward balance transfer credit card for those with good credit. The product is competitive among UK balance transfer credit cards thanks to its combination of zero initial fees and rewards.
Fees, APR and eligibility explained
Representative APR sits around 23.9% variable after the introductory period, so this card is best used to move high-interest credit into a 0% balance transfer window. There are no balance transfer fees for the first 12 months and no monthly fee, which helps preserve the savings you make while clearing debt.
Santander typically requires a minimum income (around £10,500) and a good credit rating for approval, so check your eligibility before applying. Using Santander’s online eligibility checker can give an indication of acceptance chances without affecting your credit file, a useful step for UK applicants.
How to use the 0% balance transfer to clear debt
Start by listing high-interest balances you want to move and total repayment time within the 12-month 0% period; pay more than the minimum each month to clear debt before the promotional rate ends. This balance transfer credit card is specifically useful for those who can realistically repay within the interest-free window.
Make sure to transfer the right balances at application and avoid new purchases if you can’t repay quickly, as purchases revert to a higher APR after the introductory three months. Take advantage of Santander Boosts on everyday spending while you prioritise paying down transferred balances to maximise savings.
Alternatives, comparison and final call to action
If you want a longer interest-free term, consider alternatives like HSBC or Halifax balance transfer credit cards which sometimes offer extended 0% periods; NatWest also has competitive no-fee options. Compare representative APRs, balance transfer length and reward schemes to pick the best balance transfer credit card for your situation in the UK.
If you meet the income and credit criteria and aim to cut interest quickly, the Santander Everyday No Balance Transfer Fee credit card is a strong contender. Check eligibility online, compare alternatives, and apply with a clear repayment plan to make the most of 0% balance transfers, cashback and no monthly fee savings.