Longest 18 month 0% Spending Credit Card with no annual fee from Santander.
80°Expired

Longest 18 month 0% Spending Credit Card with no annual fee from Santander.

14
Found 6th Jan 2014
Just found out about Santander's longest ever credit card on Purchases which, at the moment, is the longest spending 0% Credit Card, and I thought I will share it with you.

0% for 18 months on purchases
0% for 9 months on balance transfers2 from date of account opening (3% fee applies, minimum £5)
No annual fee
Manage your Santander Credit Card and other accounts online anytime of day
Manage your card on the go with our mobile app for iPhone, iPad and AndroidTM devices
You'll be protected against internet fraud if your card is used online without your knowledge

"The longest 0% spending card available is Santander's* 18-month purchase card. Unlike the card below, the 0% term won't vary according to your credit score - everyone accepted gets the full 18 months.

Once the 18 months is up it switches to 18.9% representative APR, so make sure you've paid it off, or you're ready to shift the debt to a new balance transfer card." MSE

"Santander has just launched a table-topping new credit card deal that offers 0% on everything you buy using the card for the first 18 months.

As well as providing the first year and a half interest-free, the Santander Purchase Credit Card offers up to nine months' 0% on balance transfers, subject to a 3% fee.

Once these honeymoon periods are over the Santander Purchase card reverts to a representative Annual Percentage Rate (APR) of 18.9% (variable)." MoneySuperMarket.com

If you're looking to transfer the balance to another card, then apply for a longer BT card or lower BT fee from MoneyExpert.com, MSE, or MoneySuperMarket.com etc. to find the one that suits you.
So if you're looking for a good 0% Balance Transfer Credit Card, please find my post on HUKD for the lowest fee (per year) on Halifax 0.8% BT fee for 0% interest for 15 month, link:
hotukdeals.com/tag/dea…159

Also guys make sure you don't miss any payment with ALL credit cards 0% offers and DO NOT go over the credit limit, otherwise the 0% deal stops and the credit card provider will start charging you the high interest from the day you miss the payment or spend over your credit limit, so take my advice and set up a minimum payment by direct debit as soon as you can.
Good luck.

14 Comments

Applied for this yesterday as I couldn't see the point paying for my new laptop outright as I am a Santander 123 customer so I get interest on my balance. Within 4 hours of applying I spotted a credit card in my online bank for £2500. not a bad turn around on a Sunday!

Original Poster

I think most of us are skinned after Christmas, and looking forward to our next payment at the end of January, which feels such a long time when we have no money, so this kind of 0% cards is exactly what we need to make ends meet, and this is the longest 0% Spending card on the market at the moment. Perfect for someone who wants to buy a car, laptop, iPhone, insurance, bills, food, fuel, even council tax, without the need to pay interest on the expensive product they're buying, what's more, they can spread the cost over the 18 month.

Amerviv

I think most of us are skinned after Christmas, and looking forward to … I think most of us are skinned after Christmas, and looking forward to our next payment at the end of January, which feels such a long time when we have no money, so this kind of 0% cards is exactly what we need to make ends meet, and this is the longest 0% Spending card on the market at the moment. Perfect for someone who wants to buy a car, laptop, iPhone, insurance, bills, food, fuel, even council tax, without the need to pay interest on the expensive product they're buying, what's more, they can spread the cost over the 18 month.


beer...?

Natwest were doing a 15 month one too if anyone needs.

not bad, card arrived today.

Original Poster

lutek1000

beer...?


Yes, if not from Lidl or Aldi, they both don't accept credit cards, unfortunately. oO

Original Poster

GoNz017

not bad, card arrived today.


Wow, that was really quick.

Yeh, I guess it helps being a Santander customer.

Got one as well really quick

sherbolton

Can anyone help. If I spend on this for the whole 18months and wait to … Can anyone help. If I spend on this for the whole 18months and wait to pay it off until just before the 18months end then I would pay 0% interest?

aslong as you make the minimum payments every month (best by dd so you don't forget)

Just been reading about stoozing. Might give it a try. Whats the limit on this card or is it personal. (I've never had a cc)

it will be personal depending upon your salary and credit record. if you've never had credit before it will be fairly low I'd imagine.

thanks for the post about seeing it in online banking. I'd applied for this card without seeing the deal and been waiting for a letter in the post. I just checked and it is on online banking already, with a nice limit too.

Original Poster

jp1843

aslong as you make the minimum payments every month (best by dd so you … aslong as you make the minimum payments every month (best by dd so you don't forget)


Yes, you're right, minimum payment for this card is 1%, so for each £1000 balance you pay only £10 a month: "All default fees, annual fee (if applicable), payment protection insurance premiums and interest plus 1% of the remaining balance shown on your statement and the amount (if any) by which you have exceeded your credit limit. (Subject to a minimum £5.)"
Also if you exceed your credit limit (or missed the minimum payment) you will lose the 0% offer and interest rate will jump to 18.9%, so be aware.
Post a comment
Avatar
@
    Text