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Santander: 123 Credit Card reviews

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

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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

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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.

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Santander 123 Credit Card reviews (156)

Encourages debt

I was not really sure what it was but after being told that I could gain by using this card I agreed.However my monthly payments were dropping and I used the card to pay for petrol and the like.Now I am in debt! Reviewed on: 15th January 2016

Good choice for cashback

A decent credit card for cashback on purchases. Supermarket shopping and petrol spend outweighs the monthly cost. Note that fees are going up soon. Reviewed on: 24th December 2015

great rewards

I use this card for day to day spending and pay off in full each month. The rewards build up and I see cashback every month. When I lost my card the service was excellent, reassuring and professional. Very happy with. Reviewed on: 24th December 2015

Not worth the £5 monthly fee

The Santander 321 credit card sounds a good idea, but unless you use a lot of petrol/diesel ( Of which you get 3% back) it is not worth the additional cost as you get so few rewards, If looking for a reward credit card try American Express Reviewed on: 24th December 2015

Trouble free free money

Buying is easy as 123, direct debit clears the account monthly - easy peasy lemon squeezy Reviewed on: 21st November 2015

Rubbish, awful charges and hard to obtain.

Ridiculous, not helpful. A great way to get into debt. Reviewed on: 9th November 2015

great card to have and to get cash back

a great card with genuine interest rates and you can get cashback on purchases. customer service is great Reviewed on: 7th November 2015

GREAT FOR CASHBACK

Great to get paid for using your credit card for regular purchases.Its always nice to get a reward Reviewed on: 31st August 2015

Get paid for using your credit card

I signed up for the Santander 123 cash back credit card a few months ago. I am an existing Santander customer and I could apply for the card easily from within internet banking. I was accepted with a nice credit limit. I was offered a 0% on purchase introductory offer, plus I get the cashback on purchases from the supermarket and on any fuel I buy. Every month my cashback gets reliably paid back onto my credit card, bringing my outstanding balance down. Great! Reviewed on: 31st August 2015

Great cash back

It is fantastic getting cash back on buying my fuel and the cash back from other spending makes thee annual fee worthwhile. Everything so far has been clear and perfectly understandable with no issues or problems. Reviewed on: 26th August 2015

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