Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.93 (156 reviews)

View other Santander products

3.86

Based on 156 reviews, last reviewed 2nd Apr 2025

400% 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

Good rates of interest, but competition offers better Good rates of interest, but competition offers better Reviewed on: 2nd April 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 Write a review

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.

Review Santander: 123 Credit Card now

Help others make smarter decisions by sharing your own experience.

Write a review

Santander 123 Credit Card reviews (156)

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

Cheeky

I used to love this credit card until they added a monthly charge. It has good cashback rates, but by the time you have paid the monthly charge, even the cashback doesn't make this back. As soon as my interest free period is over I will be leaving this credit card. Reviewed on: 4th January 2017

Current account

Very bad customer service, not very professional. Reviewed on: 27th December 2016

No problems, but less attractive than it was

I took out the 123 credit card on a long interest-free offer which is still running. Overall I have been very happy with it, but the increased charges and reduced cashback offer may make me look around once the interest-free term expires in a few months. Reviewed on: 24th December 2016

it's OK

It's OK... was much better when I was in the interest free period!! Reviewed on: 19th December 2016

Was good but getting worse

The santander 123 card used to be great, but not so good now! Reviewed on: 19th December 2016

Not happy the rate is dropping soon

Good because of the cashback it pays. That said, it's about to be cut though so will drop rating to 'just ok' Reviewed on: 19th December 2016

Great

Good for the 0% for two years , not sure if I will continue after but has been good to use and i get the cash back to cover the cost of the card which is 3 pound a month Reviewed on: 18th December 2016

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

Gold Card
from first direct 3.61 from 8 reviews
Credit Card
from M&S Bank - Marks and Spencer 2.62 from 177 reviews
Credit Card
from Shop Direct 4.65 from 5 reviews

There's still more to see!

Santander has a range of products available. Check the ratings of each product to find the right one for you. 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