Santander Everyday Long Term Credit Card: 0% Interest, 31-Month Relief

Say goodbye to interest charges—enjoy 0% balance transfers for 31 months and finally get your finances under control.

Ever feel like your credit card’s working harder against you than for you? You’re not alone, mate. Whether it’s old debts weighing you down or you’ve just made a big purchase, the Santander Everyday Long Term Credit Card might be the no-nonsense solution you need. It’s got one of the longest balance transfer periods going, and for folks looking to straighten out their finances, it’s a bit of a lifesaver.

Say you’ve racked up £2,000 on a card charging you 20% APR. That’s over £400 a year just in interest. With this Santander card, you could knock that right down—giving yourself a proper shot at clearing it without the added stress.

CREDIT CARD

Santander Everyday Long Term Balance Transfer

0% on balance transfers 0% interest on purchases

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How to Make the Most of This Santander Everyday Long Term Credit Card

Alright, here’s what you’re working with: with the Santander Everyday Long Term Credit Card, you get 31 months of 0% interest on balance transfers. That’s more than two and a half years to clear your debts. You’ll pay a 3.45% fee on the amount you move over, with a minimum of £5. You can transfer anything from £100 up to 95% of your credit limit, so there’s a good bit of flexibility.

There’s also 0% interest on purchases for the first 3 months, which is a bonus if you’ve got something essential lined up.

After those windows close, the standard variable APR kicks in at 24.9%, so best be smart with your repayments. A lot of people use it to shift debts from high-interest cards—and some take advantage of that early spending grace period for essentials.

Smart Hacks Most Folks Don’t Know

Want to get more out of your Santander Everyday Long Term Credit Card than just the headline deal? These clever tips can help you stretch every pound and stay ahead of the game:

• Don’t transfer everything at once – spread it across two months to avoid maxing out straight away.
• Set up reminders for the last few months of the 0% term.
• Use a budgeting app like Emma or Plum to track repayments.
• Keep new spending minimal after the 3-month window ends.
• Maintain regular payments to give your credit score a nice nudge.

And remember—after the promo period, new balance transfers made with the Santander Everyday Long Term Credit Card will come with a 3% fee and standard interest, so use that grace period wisely.

Getting the Most Bang for Your Buck

Yes, the 31-month balance transfer is the headline act. But there’s more value if you think tactically.

• Perfect for long-term debt planning without needing another loan.
• Pair it with top UK cashback sites for online shopping during the 0% window.
• Handy for big one-off costs like furniture or flights—just pay it off smartly.
• Combine with an emergency fund to avoid dipping into savings.
• A great fit for those wanting to improve their overall credit profile slowly but surely.

What Are the Alternatives?

Let’s compare a few solid options side by side:

Barclaycard could work if you want a lower fee and don’t mind a shorter term. Virgin Money sits comfortably in the middle, often praised for good customer service. Santander’s card wins for sheer length—but check which one fits your budget and timeline.

Who Can Apply?

Before you get too excited, make sure you tick all the boxes:

• Aged 18 or over
• Living full-time in the UK
• Earning at least £10,500 per year
• No recent CCJs, defaults or bankruptcies
• Not moving balances from Santander or Cahoot cards
• Not currently holding another Everyday Credit Card

It’s worth noting—you can check eligibility with no credit score impact using Santander’s online tool.

How Do You Apply?

Dead simple, really. Here’s how:

1. Head to Santander UK
2. Go to the credit cards section
3. Click on the Everyday Long Term Credit Card
4. Hit “Apply Now” and fill in your details
5. Get a decision—usually within minutes

Pro tip: Do the soft check first to avoid harming your credit record unnecessarily. You’ll also get an idea of your potential credit limit upfront, which is handy for planning.

FAQs You Didn’t Think to Ask

1. Can I cancel the card right after I’ve transferred my debt?

You could—but holding onto it helps with credit history length and keeps your utilisation ratio low.

2. What if I make new purchases after 3 months?

Those will attract interest straight away unless you clear the full balance each month.

3. Is there a limit on how much I can transfer?

Yes—you can transfer from £100 up to 95% of your credit limit, and not from Santander or Cahoot.

4. Will using this card improve my credit?

If you make payments on time and don’t max it out, it absolutely can.

5. Can I use it abroad?

You can, but there’s a 2.95% foreign transaction fee. Cash withdrawals abroad also include a 3% fee (min. £3) and 29.9% interest from the day you take the cash out.

6. Does Santander offer a way to estimate savings?

Yes—there’s a balance transfer calculator on their site that shows how much interest you could save depending on your repayment habits.

Final Thoughts – Is It Worth It?

Honestly? If you’ve got outstanding debt on high-interest cards, the Santander Everyday Long Term Credit Card is a no-brainer. You get 31 months of breathing room, no faffy monthly fees, and it’s relatively easy to qualify if your credit’s in decent shape.

The 3.45% fee might sting a bit upfront, but spread over two and a half years? You’ll barely notice it. Just make sure you’ve got a plan in place before the promo rate ends, and the Santander Everyday Long Term Credit Card could be a solid stepping stone to financial stability.

Our verdict? If you’ve got lingering debts and want a long runway to get sorted—this one’s well worth a look.

Thinking of applying? Try the soft-check tool first—quicker than making a cuppa.

CREDIT CARD

Santander Everyday Long Term Balance Transfer

0% on balance transfers 0% interest on purchases

APPLY NOW You will be redirected