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Santander: 123 Credit Card reviews

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

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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

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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

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

Amazing card.

Use this card only on cash back items, by keeping up with monthly payments this card pays for itself and gives me more in return. By using it in supermarkets and when buying petrol, it has given me more in return as I keep up with payments on a monthly basis and therefore do not pay interest, and with what I use this card for are products I would be buying anyway. Really handy card to have. Reviewed on: 29th April 2015

Simply outstanding, in other words one of the best banks ever!

Santander is simply one of the best banks in the whole of the United Kingdom. It is amazing no words can really describe it. Anytime I need help Santander will be at the rescue and always have a solution to my problems! I just want take this opportunity to thank Santander for all their help! Reviewed on: 26th December 2014

My favourite credit card by far

Good service and great benefits...cashback of 1-3%, is pretty top and service has been good so far (I've been with them for 8 months) Reviewed on: 23rd October 2014

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