Write a review

Santander: 123 Credit Card reviews

Name: 123 Credit Card
Rating: 3.9 (152 reviews)

View other Santander products

3.81

Based on 152 reviews, last reviewed 28th Jan 2025

100% decrease in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

45%

26%

13%

11%

Latest highest rating:

5

I have been with them from the beginning and current... I have been with them from the beginning and current account as well as credit card with them. They can be easily contacted as I live nearb. Reviewed on: 24th August 2024

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 See your 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.

Santander 123 Credit Card reviews (152)

Review of the Santander, 123 Credit Card:

Paid for shopping!

For a small monthly fee I get a little cashback on my purchases each month. Cashback always exceeds the fee so works out nicely giving me a little extra to treat the kids. Reviewed on: 29th May 2017

Taking the worry away

Not only is this account and card simple to use, earning money to use it is a bonus for me. Reviewed on: 1st June 2023

Great Card

Love the cashback and always fast responses to queries in the app Reviewed on: 31st May 2023

Dismayed, customer

My from Swindon just spent three hours trying to find out why Santander took more money than I have spent over the last year Reviewed on: 17th May 2023

Good for cashback

Very happy with this card - don't think you can get it any more so intend to keep it Reviewed on: 4th April 2023

Simple

No issues, runs smoothly, all you need with no fuss Reviewed on: 3rd April 2023

Easy as 1, 2, 3

I’ve had a Santander 123 Credit Card for over 10 years. It has suited my perfectly. I wouldn’t switch products. Reviewed on: 30th March 2023

Rubbish

Never up the limit paid of every month had card for 10 years no limit increase Reviewed on: 16th March 2023

Great high street bank

Good for international payments and low apr Reviewed on: 16th March 2023

Very supportive!

I can't thank you enough for Santander support with my credit card. They provided support, option of payment very reliable. Thank you! Reviewed on: 11th March 2023

Excellent

Have held a Santander 123 credit card for 10years. No problems and get cash back on purchases. Reviewed on: 9th March 2023

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

Nectar Credit Card
from Sainsburys Bank 2.86 from 94 reviews
Credit Card
from ASDA Money 2.52 from 90 reviews
Gold Credit Card
from American Express 4.55 from 24 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