EXCLUSIVE 1% bonus cashback with all major airlines, hotels & travel agents. 3% Cashback on everyday shopping & 18M interest free on purchases with the 123 Credit Card. £24 per year or free if you hold the 123 Current account @ Santander - HotUKDeals
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So Santanders 123 Credit is allowing customer to earn 1% cashback on flights, hotels and travel agents up until the 31st August. Along with that you get the additional cash back on your everyday shopping.

There is an £24 annual charge, however, if you an existing 123 Current Account holder, the 1st years charge will be refunded if you set up Direct Debit with it. Even if you do get charged, you will most probably end up making the money back within no time

Details of the 123 Credit Card:

- 1% cashback at all major supermarkets
Including Tesco, Asda, Sainsbury's, Morrisons, The Co-operative, Waitrose, Marks & Spencer, Budgens plus many others. For example, if you spend £400 on your supermarket shopping, we'll pay £4 onto your 1|2|3 Credit Card and you'll see it on your next monthly statement.

- 2% cashback at all major department stores
Including BHS, Debenhams, House of Fraser, John Lewis, Fenwick, Harrods, Harvey Nichols, Mothercare, Selfridges plus many others. For example, if you spend £100 in a department store, we'll pay £2 onto your 1|2|3 Credit Card and you'll see it on your next monthly statement.

- 3% cashback at all major petrol stations and on National Rail and Transport for London travel (on a combined spend of up to £300 a month) Petrol stations include BP, Shell, Esso, Texaco, Asda, Morrisons, Sainsbury's and many others. You can also earn cashback on tickets purchased for travel on National Rail (which includes all major UK train operating companies such as First Great Western, Greater Anglia, Arriva Train Wales, ScotRail and many others), from online train ticket retailers, for Transport for London travel, and trains operated in Northern Ireland by NI Railways. For example, if you spend £300 on a combination of petrol and train travel, you'll earn £9 cashback on your 1|2|3 Credit Card and you'll see it on your next monthly statement.
If you spend over £300 on a combination of petrol and train travel, the maximum cashback you will earn is £9.

Summer bonus cashback offer:

- Earn 1% bonus cashback with all major airlines, hotels and travel agents until the 31st August 2014. Full list of the Airlines, Hotels and Travel Agents can be found at http://www.santander.co.uk/csdlvlr/ContentServer?c=SANDocument_C&pagename=WCSUKPublicaLte%2FSANDocument_C%2FSANDocumentPreview&cid=1324571235212

Train tickets that don't qualify for cashback:

- TfL travel cards, passes and Oyster card top-ups purchased from newsagents, garages and off-licences, Northern Ireland Railways train tickets purchased online, train tickets purchased at travel agents and tour operators, and Eurotunnel Le Shuttle tickets do not qualify for cashback.

Exceptions to the rates of cashback you receive:

- Cashback at the rates above is earned at retailers categorised as supermarkets, department stores, petrol stations, passenger railways or railroads merchants by MasterCard.

There are a few exceptions to the rate of cashback that will be awarded to you. For example, Marks & Spencer stores are defined as a supermarket (not a department store), so you will earn 1% cashback there. Some petrol stations may be classed as supermarkets too depending on if they are part of the supermarket or a separate business.

Receiving your cashback:

- We'll pay the total cashback you earn each month onto your 1|2|3 Credit Card and you'll see it on your monthly statement. You can also see how much you've earned in Online and Mobile Banking

The annual fee:

- We'll charge the £24 annual fee to your card as soon as you activate it and then again each year in the same month you took the card the out (this may be different to the month you activated the card). If you already have a 1|2|3 Current Account, or open one, we'll refund the first year's annual fee on your 1|2|3 Credit Card

First year fee refund:

Offer valid until 31 December 2014. To qualify for this refund you must:
- open or hold a 1|2|3 Current Account
- open or hold a 1|2|3 Credit Card
- set up a Direct Debit from the 1|2|3 Current Account to pay your 1|2|3 Credit Card within 30 days of either opening your 1|2|3 Current Account or 1|2|3 Credit Card (whichever occurs latest).

Interest rates:

- Purchases: you'll pay 0% for 18 months then the standard purchase rate of 12.7% p.a. will apply.
- Cash transactions: you'll pay 29.9% p.a.
- You can see a useful summary of all the interest rates at http://www.santander.co.uk/csdlvlr/ContentServer?c=SANDocument_C&pagename=WCSUKPublicaLte%2FSANDocument_C%2FSANDocumentPreview&cid=1324566122640

I've had this credit card for a couple months and each month I earn around £20 Cashback. Hope this helps :)
More From Santander:

All Comments

(20) Jump to unreadPost a comment
Comments/page:
#1
Love this card cash back is great as is the current account
#2
good deal for those who have account with them
#3
probably best cashback card around
1 Like #4
Misleading title - the annual charge is only free to 123 account holders for the first year
#5
Heat added. I have one and very happy with it.

One of the best credit card for cashback
http://www.moneysavingexpert.com/credit-cards/cashback-credit-cards
#6
18 million interest free. Sweet
#7
Nice deal.

I use the BA Amex to collect Avios but they work out to be worth approx 3% of your purchases, better to have it back straight away as cashback!
#8
This is a great credit card but get the
123 current account first.(That's great
itself)
Santander are a much improved bank
and have some great accounts. The
service is now Excellent.
#9
Am a 123 customer and have both thier current account and credit card. You get a better interest rate on balances upto 20k on this account than a isa!. Well worth the £2 charge! Also their smartphone app is really user friendly
#10
You can also have 2 123 accounts and both of them pay me about £38.00 each in interest and they cost only 2 quid to run. You have to have 2 direct debits running on each account.
3 Likes #11
My advice is DO sign up with them - use JUST 2 direct debits but have only £600 a month paid-in and take advantage of their various offers - so they make a huge loss on you. Don't insure, don't take out a mortgage, don't take out a loan. This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html
#12
I am very happy with my 123 credit card and account. A great deal
#13
Great
#14
very good account and 18 months interest free :-p keep in current acc gaining interest n max the credit card out n pay on the 17th month

only problem is as soon i buy something the fraud department call me :-@
3 Likes #15
TiscaliSurvivor
This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html

Yeah, this Spanish bank has despised me to the tune of nearly £2000 gained in interest and cashback over 2 current accounts in the last 19 months since joining them which is £2000 more than we earned staying loyal to the Halifax for years. They can despise me as much as they want. I'm happy with that kind of hate, thanks.

Edited By: jans on Jul 27, 2014 01:18
1 Like #16
jans
TiscaliSurvivor
This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html

Yeah, this Spanish bank has despised me to the tune of nearly £2000 gained in interest and cashback over 2 current accounts in the last 19 months since joining them which is £2000 more than we earned staying loyal to the Halifax for years. They can despise me as much as they want. I'm happy with that kind of hate, thanks.

I am not saying boycott them, simply squeeze every penny from these parasites that you can. I'd double check your 2K though 20K saved at 3% for 18 months after tax = 576, capped items such as petrol = 130 each maximum for 18 months for 5 items = 650, Say 6K in Isa - Another 150 - No where near 2000 - but still pretty decent
#17
gluke21
This is a great credit card but get the
123 current account first.(That's great
itself)
Santander are a much improved bank
and have some great accounts. The
service is now Excellent.



They must have improved, they really could not get any worse.

The very worst bank in the UK.:(
#18
TiscaliSurvivor
jans
TiscaliSurvivor
This Spanish bank despises its UK customers yet we are their largest profit base.

Try to ring their chairmans office... good luck you wont get through, ever. They are spending a forrtune on preventing PPI claims getting through just like they did with misselling. Look the gift horse in the mouth but give them nothing in return.

79% of trustpilot people give them 1 star out of 5.
https://www.trustpilot.co.uk/review/www.santander.co.uk

Last year they were the most complained about Bank
http://www.theguardian.com/money/2013/apr/20/santander-tops-bank-complaints-list

So why are they being so generous???
Santander paid £150M for the crown jewels of Bradford and Bingley £21bn assets without a penny of the £50bn of liabilities (thanks Labour).
http://www.telegraph.co.uk/finance/financialcrisis/3100146/Santander-buys-Bradford-and-Bingleys-branches.html

Yeah, this Spanish bank has despised me to the tune of nearly £2000 gained in interest and cashback over 2 current accounts in the last 19 months since joining them which is £2000 more than we earned staying loyal to the Halifax for years. They can despise me as much as they want. I'm happy with that kind of hate, thanks.

I am not saying boycott them, simply squeeze every penny from these parasites that you can. I'd double check your 2K though 20K saved at 3% for 18 months after tax = 576, capped items such as petrol = 130 each maximum for 18 months for 5 items = 650, Say 6K in Isa - Another 150 - No where near 2000 - but still pretty decent

As said above. It's over two accounts, not one. My partner and I have two of the 123 current accounts between us which get on average 50.00 per month each in interest And cashback on utilities and various direct debits etc. Only one half of the joint account is taxed (his half as I'm not working at present - so not liable for tax) It's not quite 2K gained yet which is why I said 'nearly' but averaged at 50.00 x 19 = £950 x2 = £1900 so not that far off. Plus with the additional cashback earned over the same period on the 123 credit card itself probably takes it to way over the 2000 mark even factoring in the monthly charges for the accounts (of which only 7 months of the charge is applicable on the credit card as the first year was free)
#19
Has anyone with this account or cc used the RBS/Natwest mobile apps?

I'm with RBS and i'm seriously considering switching to the 123 but the RBS/natwest app is really very good and there are constant improvements all the time, i'd hate to leave it for a worse one
#20
mjccam
Has anyone with this account or cc used the RBS/Natwest mobile apps?

I'm with RBS and i'm seriously considering switching to the 123 but the RBS/natwest app is really very good and there are constant improvements all the time, i'd hate to leave it for a worse one

Santanders is just as good.. I have both!

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