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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

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

Good cashback extras and good service

I was looking for a new credit card that had a good balance transfer rate as well as purchase rate. With 23 months interest free for both this seemed like a good deal. There is a £24 a year charge if you do not have a current account with them. With the added extras of cashback on spending on shopping, petrol and transport. I have found it well worth it with the extras. Reviewed on: 26th August 2015

Cash back on regular purchases

I was offered this card when I opened a 123 current account, and it has been great. It pays cash back on supermarket purchases, petrol/train travel and department store purchases. I pay for all of these things with this to get the cash back. If I buy anything else not in these categories I pay by debit card. I have a direct debit to pay the card off in full every month. The cash back is paid onto the card. I have saved loads as I drive a lot for work and used to commute by train. You will be credit checked when you apply and it costs £2 a month but this is covered by the cash back on the card. Reviewed on: 25th August 2015

Good customer service

I had a query about direct debit, got through straight away and they sorted it out quickly. Very pleased! Reviewed on: 29th April 2015

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