Benefits of the Santander 123 Credit Card

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On July 23
Last modified:May 2

Summary:

Santander 123 Credit Card is simple. When you purchase at a petrol station, supermarket or department store in the UK, you earn cash back.

Santander 123 credit Card

Source: Santander Bank

It’s important to have a good credit card in your wallet. With the Santander 123 credit card, you pay a low annual fee to take advantage of cash back at many major retailers. You also get online account management and many other perks.

Applying for the Card

The Santander 123 credit card is available online. The application can be completed in a matter of minutes. Basic information is required, including name, address and income information. Once submitted, all data is verified and a credit response can be provided. In order to qualify, you must be a resident of the UK and be at least 18 years of age or older.

The credit is provided from Santander Cards Limited. If you become eligible for the card, your credit status and other information will determine what your credit limit will be on the card. Once you receive the card in the mail and activate it, you can start taking advantage of all the benefits.

The Cash Back Program

One of the main features of the Santander 123 card is the fact that you can earn cash back on it. Throughout the UK, when you use the card, you can earn cash back. The more you spend, the more money you make. You will ultimately reach a cap and details of that can be found on the card’s website.

Depending on where you shop, you will be able to earn cash back. When you do any kind of supermarket shopping, you will earn 1% cash back. This includes various stores such as Morrisons and Tesco. If you shop online with these stores, you can also earn cash back. To earn 2% cash back, you will need to shop at different department stores. This includes a variety of local and online retailers including Fenwick and Harvey Nichols. For 3% cash back, you can fill up your vehicle at many petrol stations, including Shell and Asda.

For an affordable annual fee, you will be able to take advantage of cash back opportunities everywhere you like to shop. Within no time, you will have earned so much cash back that it will pay for the annual fee and then some.

Additional Benefits of the Santander 123 Credit Card

It’s important to get a lot of features out of a credit card. When you use the Santander 123 card, you get more than cash back at some of your favorite places. You will also experience benefits including:

  • Power of MasterCard
  • Online account management
  • Customer service
  • Fraud Protection
  • Many ways to pay the bill

When you have a MasterCard in your wallet, you’ll be able to purchase virtually anything, anywhere. Millions of merchants around the globe accept this card, allowing you to take the card everywhere. You can buy things locally, online and even over the telephone for your convenience. You can take the card when you travel outside the UK and still be able to make purchases. You can also request a PIN number to be able to make cash advances at any ATM machine worldwide.

To manage your account, you can log in with a username and password to the bank website. Once you do this, you can get account balance information, purchase history, view monthly statements and much more. You have the ability to log in at any time day or night. Paying your bill can be done online and you can also contact customer service through the website.

Customer service is available through a UK call center. Representatives can be contacted using a toll free number. From there, they can answer questions you might have, help you with transaction inquiries and card benefits. Calls can be made 24 hours a day, 365 days a year.

Fraud protection is also available on the account. Any unauthorized transactions made on the account are removed – you aren’t liable for any that you didn’t make.

You can pay your bill in many ways. This includes online, over the phone and by post. You can also make payment in person at the post office or at any bank in the UK.

Applying for the credit card is simple and you can begin earning cash back immediately. This will quickly pay for the annual fee and you can enjoy benefits all year long. The more you spend, the more you earn, which is the best you can ask for.

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About Author

Casey is a seasoned writer in personal finance. He has written a number of articles that have been published in magazines and blogs around the country. His advice has helped millions make better choices about how they save their money.


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CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.

Advertiser Disclosure

CREDIT DAD is an independent, advertising-supported website. Many debit cards, credit cards and other financial offers that appear here are from companies from which CREDIT DAD Websites receive compensation. This compensation may impact how and where products appear on this website (including, for example, the order in which they appear). CREDIT DAD Websites do not include all card offers in the marketplace.