Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.94 (159 reviews)

View other Santander products

3.91

Based on 159 reviews, last reviewed 12th Jun 2025

100% increase in 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

Statement and local branch Statement is very clear and there is a local branch if I need to speak face to face with someone. Reviewed on: 12th June 2025

Latest lowest rating:

1

Beyond incompetent and useless Beyond incompetent and useless. No words can express the radicicolous treatment given by this bank. I would advise anyone and everyone to avoid contac... Read more Reviewed on: 28th January 2025

Read all reviews See your review

About this product

Santander 123 Credit Card reviews (159)

Review of the Santander, 123 Credit Card:

good but could be better with cashback

They could offer more cashback on spending so it's beneficial Reviewed on: 22nd April 2025

Very good experience so far

I've had a 123 Crdit card for a few years now and touch wood, it's been great. I'm still earning more cash back than fee costs, and I had one experience of card details being cloned or stolen which Santander sorted out extremely quickly for me, which gives me great peace of mind using it! Foreign transaction costs are much better than on most credit cards too, which was a nice surprise :) Reviewed on: 30th May 2017

fair

could be better although they have some good points Reviewed on: 30th May 2017

Goal-post Changing

I've had this card for about 2 years. It all started really well; I was earning decent 'free' money through the 1-2-3 cash back offer until they changed their terms. There's always been a fee of £3 per month but now they've capped it so the most you can earn is £9 per month (£6 net after charges) and that's only if you meet the three spending elements. It is what it is, I guess, but it's a shame as there are plenty of other credit cards that offer cash back without setting limits. Reviewed on: 30th May 2017

Great credit card

Brilliant card, easy to use, easy to understand and great rates Reviewed on: 30th May 2017

Paid for shopping!

For a small monthly fee I get a little cashback on my purchases each month. Cashback always exceeds the fee so works out nicely giving me a little extra to treat the kids. Reviewed on: 29th May 2017

Great cashback!

Receiving 3% cashback on our current account is fabulous and really helping us save when interest on savings accounts is so low. Have made over £2000 in cashback since opening the account Reviewed on: 24th May 2017

Cash back credit card

You can earn cash back on supermarket shopping and many department stores which can more than cover the annual charge of the card, especially if you are a big family. Reviewed on: 23rd May 2017

Great card, great benefits, easy to manage online

I'm a Santander CA customer and 123 customer also. Got this card and was added to my online account, allowing me to manage it easily. Great when purchases work towards my 123 benefits. Just wish I could get interest free forever haha Reviewed on: 19th May 2017

A good card

Happy with santander, always paid off in full and had no problems Reviewed on: 18th May 2017

123 SANTANDER CREDIT CARD

The credit card is good and the facility is handy and great if you shop ta the places where they give you cash back! However the one thing that annoys me with Santander is you cannot see whats pending in you account so I often miss calculate what I have left. Reviewed on: 12th May 2017

Do you have a different Santander product?

Share your experiences with products to help others make smarter financial decisions and learn more about different products available. Write a review

Are you a business? Get insights, reply to reviews, invite customers and understand their needs

Alternative products

Credit Card
from Shop Direct 4.76 from 6 reviews
Marbles Credit Card
from NewDay 4.90 from 538 reviews
Credit Card
from Wave 2.33 from 3 reviews

Want to see more from Santander?

Life Insurance
from Santander 5.00 from 2 reviews
123 Current Account (discontinued)
from Santander 4.17 from 1247 reviews
Choice Current Account
from Santander 4.16 from 17 reviews

View all products

Join Smart Money People

Keep up to date on ratings of your favourite businesses. Find out about our awards and write new reviews with ease

Create an account

News, guides and insight from our team

View resource hub