Santander Everyday card 12 months interest-free balance transfers, cashback and no monthly fee

Benefits of the Santander Everyday credit card

The Santander Everyday credit card stands out in the UK market thanks to a clear mix of features: 12 months of 0% balance transfers with no balance transfer fee and no monthly fee. Cardholders also get 0% on purchases for the first three months and access to Santander Boosts, a cashback scheme that rewards everyday spending with partner retailers.

For those looking to reduce interest on existing debts or simply earn a bit back on routine buys, the Santander Everyday card is a practical choice. Its representative APR of 23.9% and straightforward fee structure make it easy to compare against other UK balance transfer cards when you want transparency and simple value.

How the 12-month 0% balance transfer works

The key selling point is the 12-month 0% period for balance transfers with no balance transfer fee, which is rare among cards that also offer cashback and no monthly fee. Use this introductory window to move high-interest debt onto the Santander Everyday credit card and pay down the balance without accruing interest during that period.

Remember to check repayment plans so you clear the transferred balance within the 12 months. After the promotional term ends, the standard variable APR will apply, so using the Santander eligibility checker first helps estimate approval chances and plan repayments that fit UK budgeting habits.

Applying and managing your account

Applying for the Santander Everyday credit card is designed to be quick online or in-branch for customers preferring a face-to-face approach. Santander requires a minimum income of £10,500 and typically looks for a good-to-excellent credit rating, so use the eligibility tool to see likelihood of success before submitting a formal application.

Once approved, managing the card is straightforward through Santander Online Banking and the mobile app. You can track Santander Boosts, set up direct debits to avoid missed payments and view statements, making day-to-day credit card management simple for UK consumers who want low fuss and clear controls.

Who should choose this card?

The Santander Everyday credit card is well suited to people aiming to consolidate card debt interest-free for 12 months, those who want a short 0% period on purchases and shoppers who value cashback via Santander Boosts. The absence of a monthly fee keeps running costs low compared with some competitor products in the UK market.

If you meet the income criteria and have a solid credit history, this card can be a strong option to cut interest costs and earn modest rewards. Always compare alternatives like HSBC, NatWest or Halifax balance transfer cards to ensure you get the best fit for your financial situation and long-term goals.