Santander 1|2|3 Credit Card
Santander UK · Reward Points · Reward Points
This comprehensive guide covers the Santander 1|2|3 Credit Card's reward rates, fees, and terms — updated regularly from official sources — to help you decide if this card fits your spending. The Santander 1|2|3 Credit Card from Santander UK offers reward points rewards redeemable as reward points. Top earning categories include 3x points on groceries and more. This card has no annual fee.
Best for: Grocery, Fuel, General Online, Electronics Accessories
Official product page → Official rules →
Annual fee: £0
Waiver: No annual fee
Waiver: No annual fee
Reward Rules
- 3 pts/$100 3x points on groceries
- 2 pts/$100 2x points on gas
- 1 pts/$100 1x points on all other purchases
Important Notes
- No foreign transaction fees
- No rewards tiers or category bonuses
How to Apply
- Apply online: Official application page →
- Credit score: Most rewards cards require good to excellent credit (typically 670+ FICO).
- Issuer rules: Some issuers restrict approvals (e.g. Chase 5/24). Verify current eligibility before applying.
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Maximize Your Rewards
To earn the highest rewards, use the Santander 1|2|3 Credit Card for its bonus categories: Grocery, Fuel, General Online, Electronics Accessories, Dining.