Santander Everyday Credit Card 0% balance transfers 27 months, no BT fee
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Santander Everyday Credit Card 0% balance transfers 27 months, no BT fee

16
Found 13th Mar
This is a cracking deal from Santander in the current market of decreasing 0% periods and slowly rising fees.
The Everyday credit card offers:
  • 0% on balance transfers for 27 months from date of account opening
  • No balance transfer fee
  • 0% on purchases for 3 months from date of account opening
  • No monthly fee
  • Retailer Offers – get five welcome cashback offers ranging from 5% to 25% at a range of well-known major retailers once you switch on Retailer Offers via Online or Mobile Banking.

Why I like this credit card
27 months is a decent BT length and the fact there’s no BT fee makes it a hot deal for anyone needing two years + to pay off their debts.

Also, the small print contains this interesting clause: “At the end of the 0% period, a 3% balance transfer fee will apply to any new balances transferred.”

So basically you can transfer balances anytime in 27 months for no fee – most cards insist you make the transfer within 60 or 90 days of opening the account, so this is a great perk.
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16 Comments
Good offer, especially the option to BT over the whole period of 27 months rather than just at the beginning.
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deleted434948
AstalaVista2 h, 5 m ago

Good offer, especially the option to BT over the whole period of 27 months …Good offer, especially the option to BT over the whole period of 27 months rather than just at the beginning.


Just on that point, question to the OP too, if I open the card today could I then transfer a balance over in 18 months time and THEN get the 27 months 0%, or just for the remainder of the original 27 months since I opened?

I presume the answer is yes of course it's just the original 27 months, but just clarifying as this would be handy for my sister who has some credit card debt (which she's now managing much better).
Good question!
deleted43494813th Mar

Just on that point, question to the OP too, if I open the card today could …Just on that point, question to the OP too, if I open the card today could I then transfer a balance over in 18 months time and THEN get the 27 months 0%, or just for the remainder of the original 27 months since I opened?I presume the answer is yes of course it's just the original 27 months, but just clarifying as this would be handy for my sister who has some credit card debt (which she's now managing much better).


The 27 months period starts from when your credit card application gets approved. In your sister's case, it would be a better option to apply in 18 months time. Of course the offers available then may be different.
“At the end of the 0% period, a 3% balance transfer fee will apply to any new balances transferred.”
Bit confused by this - so is there a 3% fee on balance transfers, but they don't charge you until the end?

EDIT: Wait, sorry I get it... You're saying there is a 3% fee for balance transfers AFTER the 27 months, THEREFORE it must be 0% for the 27 months. Ignore me! Thanks.

What type of credit cared is this (VISA?).


Thanks folks!
Edited by: "FrostbiteXIII" 13th Mar
The website shows MasterCard credit card images.
Santander customers only?
deleted43494813th Mar

Just on that point, question to the OP too, if I open the card today could …Just on that point, question to the OP too, if I open the card today could I then transfer a balance over in 18 months time and THEN get the 27 months 0%, or just for the remainder of the original 27 months since I opened?I presume the answer is yes of course it's just the original 27 months, but just clarifying as this would be handy for my sister who has some credit card debt (which she's now managing much better).


Just the original 27 months I'm afraid.
Can you do a check on this cc to see if you will get it or not?
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deleted1391139
riccirus7 m ago

Can you do a check on this cc to see if you will get it or not?


no because imperfect check

decent idea of accept yes/ no from the MSE soft credit card check though
deleted139113917th Mar

no because imperfect checkdecent idea of accept yes/ no from the MSE soft …no because imperfect checkdecent idea of accept yes/ no from the MSE soft credit card check though


Thanks for the info, I couldn’t see it on MSE when I looked earlier but will have another look
took halifax and sainsburys but declined on this one
I’ve only got 50% chance of getting this one and only 20% of getting the HSBC one but I have a quite a good credit rating according to MSE
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deleted1391139
riccirus3 m ago

I’ve only got 50% chance of getting this one and only 20% of getting the H …I’ve only got 50% chance of getting this one and only 20% of getting the HSBC one but I have a quite a good credit rating according to MSE


it's definitely not that good a guide for everybody

I think they have plenty of previous people who were told they only had a 20-30% chance of acceptance but were accepted fine

or who had an 80% chance of acceptance but were turned down
deleted139113917th Mar

it's definitely not that good a guide for everybodyI think they have …it's definitely not that good a guide for everybodyI think they have plenty of previous people who were told they only had a 20-30% chance of acceptance but were accepted fineor who had an 80% chance of acceptance but were turned down


I prefer not to risk it unless it’s 80% or more, as a rejection would make it even harder to get another card. I have a 100% chance of getting the 24 months virgin money at 0% and no fee so gonna go for that one I think.
I have a 99% Experian credit score and was turned down for the HSBC card, although they are never guaranteed.
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