Getting Rid of Santander 123 Credit Card - What to Choose?

anotheruser

Figured out that the 123 credit card isn't really worth it any more.
We've made £1 this month, so I 'd be happy to get rid of it risking that £12 a year in case we don't make anything one month.

We pay our card off in full every month, so 0% interest, low % fees doesn't matter for us.

To be honest, we'll probably rarely use it now as we used to put petrol and supermarket shopping on the card but that may as well come straight out the bank account now.

I have a Halifax Clarity credit card but have seen Santander do a very similar one - it's the zero fees that interests us when spending abroad. Do the two cards operate in the same way? If so, I may as well grab a new one and keep the banking together - then look at closing Halifax card.

Open to any other suggestions.

theburningcat

Santander Zero and Halifax Clarity are good options for general usage in my opinion. I just cancelled my 123 card and would have got a Zero card if it wasn't for my discontent with Santander as a whole.

Have you considered cashback cards? The AA Fuelsave card is good - and Amex have a good choice of casback/points cards.

molerat

TSB Platinum, 20 mths interest free on purchases +1% on up to £500 if you hold a Classic Plus account. Spend on the card and keep the cash in the current account earning interest - double bubble

anotheruser

Didn't think of people like Asda or the AA to be honest.
Maybe I'll look into those - and TSB.

Thanks