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Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.92 (154 reviews)

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3.83

Based on 154 reviews, last reviewed 27th Feb 2025

200% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

47%

25%

13%

10%

Latest highest rating:

5

great card and cashback . great card and cashback . Have earnt hundreds f punds over the last 5 years so suggest getting one Reviewed on: 27th February 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

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About this product

Santander 123 Credit Card reviews can help you to find out about the pros and cons of the 123 Credit Card credit card. What kind of features do Santander customers like? Find out more about the Santander 123 Credit Card by reading our trusted Smart Money People reviews. You can also write your own Santander 123 Credit Card reviews to share your own experience with Smart Money People, the UK's leading financial services review site. Together, we can make financial services work better for everyone.

Santander 123 Credit Card reviews (154)

Review of the Santander, 123 Credit Card:

great bank

great bank and always helpful with whatever queries you have Reviewed on: 27th April 2020

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

No Problems

Have had the 123 Credit card for nearly 2 years now and haven't had any issues at all the communicate well when making changes and allow for a number for useful alerts to be put in place when nearing credit limit or for larger transactions Reviewed on: 3rd April 2017

friendly and safe

I am impressed that they do a check if there is unusual activity on the card. Always friendly and helpful Reviewed on: 12th February 2017

Cashback and extended interest free period!

Have been using this card for around 18 months, have earned a lot of cash back on my every day spending, there are changing deals on the app too so opt in for additional cash back. 48 month interest free has made this the best card to date for me. Reviewed on: 11th February 2017

Makes me free money

Very good and easy to use app on the phone and good customer service! Reviewed on: 28th January 2017

Excellent value

I've received excellent value on this account, with cashback on bills and payments Reviewed on: 20th January 2017

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