Streamline your finances with a lengthy 0% balance transfer period—simple and savvy!

Santander Everyday: Affordable Balance Transfer Solutions

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Enjoy longer 0% transfers and keep more cash in your pocket.
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Enjoy longer 0% transfers and keep more cash in your pocket.
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Explore Card Details
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This card packs practical perks to help you manage balances with ease:
Intro 0% interest on balance transfers;
No annual fee;
Low balance transfer fee;
Online Banking.
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The Santander Everyday Long Term Balance Transfer Credit Card is a lifesaver for those with existing debt, offering ample breathing room and straightforward features. However, it’s not for big spenders or anyone looking for bells and whistles. Keep its limitations in mind, and it could be the perfect partner in your financial reset.

Advantages and Disadvantages of the Santander Everyday Long Term Balance Transfer Credit Card

Pros

  • Lengthy 0% Balance Transfer Period
  • Enjoy up to 31 months of interest-free payments on balance transfers. It’s one of the longest on the market, giving you plenty of time to regain financial footing.
  • No Annual Fee
  • There’s no need to worry about paying just for the privilege of having the card. Keep your hard-earned cash for paying down balances instead.
  • Manageable Balance Transfer Fee
  • With a low 2.75% transfer fee, moving your debt here won’t cost the earth.
  • Easy Account Management
  • Santander’s user-friendly online banking platform makes keeping track of payments a breeze.

Cons

  • Limited for Balance Transfers Only
  • This card is ideal for shifting balances but offers no rewards or cashback for spending.
  • Strict Eligibility Criteria
  • Applicants need a good credit history to qualify, so it’s not for everyone.
  • High Interest After Intro Period
  • Once the 0% period ends, a representative APR of 23.9% kicks in, so it’s crucial to pay off the balance in time.
  • No Perks for Purchases
  • Unlike some competitors, this card doesn’t come with travel benefits or discounts on spending.

FAQ

This card is ideal for anyone wanting to clear existing credit card debt without racking up extra interest. With its generous 0% balance transfer period, it’s perfect for those who need time to get their finances back on track.

The standout feature is the 31 months of 0% interest on balance transfers, giving you plenty of breathing room to repay debt. There’s also no annual fee, a low transfer fee of 2.75%, and a straightforward online banking system to manage your account effortlessly.

To be eligible, you’ll need a good credit history, be at least 18 years old, and a UK resident. Santander also requires you to have a regular income and meet their credit checks during the application process.

The balance transfer process is simple. Once your application is approved, you’ll be able to request a transfer from your existing credit card to the Santander Everyday card. Just make sure to complete the transfer within 60 days to benefit from the 0% interest offer.

While you can use this card for purchases, it’s designed primarily for balance transfers. There are no cashback or rewards on spending, so it’s better suited for those focusing on debt repayment rather than everyday use.

In summary, the Santander Everyday Long Term Balance Transfer Credit Card offers a solid solution for tackling existing debt, thanks to its standout 0% interest period of up to 31 months and lack of an annual fee.

Moreover, its low balance transfer fee makes it cost-effective for shifting debt. However, the higher APR after the 0% period and its lack of rewards or perks for spending may deter frequent shoppers. This card is an excellent choice for those focused on reducing debt efficiently. Ready to regain control of your finances? Explore your options today!

Are you looking for different card options? If so, you can try applying for the The Lloyds Bank Cashback Credit Card!

If the Santander Everyday card doesn’t quite fit the bill, the Lloyds Bank Cashback Credit Card might catch your eye. Perfect for everyday spenders, it offers cashback on purchases, no annual fee, and a competitive APR.

Plus, with easy integration into digital wallets like Apple Pay and Google Pay, it’s a modern, flexible choice. Fancy earning rewards on the go? Take a closer look and see how this card could work for your lifestyle.

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