Santander Edge credit card

Looking for a credit card that gives you a little back each time you pay?

The Santander Edge credit card offers cashback on purchases – and helps keep you in control with online banking and security features.

2% cashback (up to £15 a month) on all purchases for the first year

1% cashback (up to £15 a month) on all purchases after the first year

No foreign exchange fees on purchases overseas

A £3 monthly fee applies

What you need to apply

A Santander personal UK current account, and you’ll need the account number and sort code during the application
To be aged 18 or over and a permanent UK resident
To have an income of £10,500 or more a year
Don't already have a Santander Edge credit card

All credit is subject to status and credit checks.

Sorry, cahoot, Cater Allen and Business Banking current accounts are not eligible. If you close your current account, you stop earning cashback and we’ll stop charging the monthly fee.

Representative example

Representative 29.8% APR (variable)

Assumed credit limit £1,200

Purchase rate 23.9% p.a. (variable)

Monthly fee £3

Cashback calculator

Get an estimate of how much cashback you could earn based on your spending.

What type of Santander current account do you have?

Santander Edge or Edge Up current account

Before you apply for the Santander Edge credit card, you should think about your Santander Edge or Edge Up current account and the cashback you earn on your debit card spend. If you have more than one cashback account or credit card, you could pay more in fees than you would earn in cashback and interest.

Any other personal UK Santander current account

In order to apply for the Santander Edge credit card, you must have a personal UK current account with Santander. This doesn’t include cahoot, Cater Allen and Business Banking current accounts.

I don’t have a personal UK Santander current account

In order to apply for the Santander Edge credit card, you must have a personal UK current account with Santander. This doesn’t include cahoot, Cater Allen and Business Banking current accounts.

How much do you plan to spend each month on the Santander Edge credit card

Year 1

Estimated earnings

Total earnings each month £XX.XX
Total earnings each year £XX.XX

How we’ve calculated it

Monthly credit card cashback % £XX.XX
Monthly account fee £XX.XX

After first year

Estimated earnings

Total earnings each month £XX.XX
Total earnings each year £XX.XX

How we’ve calculated it

Monthly credit card cashback % £XX.XX
Monthly account fee £XX.XX

Here are some of the great features you get with all Santander credit cards

Free account alerts

Keep safe and in control of your card.

We’ll send you account alerts when you’re near your credit limit to help you avoid fees. We can also make you aware of certain activity on your account. You can manage your alerts settings at any time in Online Banking. If you need more help, please contact us or visit your local branch.

Boost up your life

With cashback, discounts and special offers that match your interests. All you need to do is sign up for Boosts through your Mobile Banking app or in Online Banking and you’ll be able to choose the offers you like and earn rewards when spending at your favourite retailers

My Money Manager

If you’re trying to be better with your money, My Money Manager is designed with you in mind. Now, as well as banking on the go, our mobile banking app lets you get tailored insights into how you spend.

Section 75 protection

Buy with confidence - with protection under the Consumer Credit Act for some purchases.

Up to 56 days interest free

Get up to 56 days to pay, when you clear your balance in full each month.

Mastercard Priceless™

Enjoy unforgettable experiences and valuable offers in the cities where you live and travel.

Account fee

The fee for this card is £3 a month.

Cashback

2% cashback on purchases for the first year
The maximum amount of cashback you can earn each month is £15.
This means you earn cashback on the first £750 you spend on your card each month.
1% cashback on purchases after the first year
The maximum amount of cashback you can earn each month is £15.
This means you earn cashback on the first £1,500 you spend on your card each month.

Some transactions aren't eligible.

If we see you’ve closed your Santander current account, you’ll stop earning cashback on your Santander Edge credit card, and we’ll stop charging you the monthly fee. We’ll give you 60 days to open a new current account before we stop your cashback and fee. If you open a new Santander current account after 60 days, we won’t reinstate the cashback or the fee on your card.

Before you apply for the Santander Edge credit card, you should think about whether you already have Santander accounts that give you cashback on your spend. If you have more than one fee-paying cashback account or credit card, you could pay more in fees than you would earn in cashback and interest.

Purchases and cash withdrawals abroad

You won’t be charged foreign transaction fees on purchases and cash withdrawals made abroad in the local currency. If you choose to pay in sterling, the retailer or bank will handle the conversion and may charge you a fee.
A cash transaction fee of 3% (minimum £3) will be charged on all cash withdrawals, including those made abroad. You’ll be charged 29.9% p.a. interest on the cash you take out from the day it’s withdrawn.

Earn cashback quicker with additional cardholders

You can have up to 3 additional cardholders on your credit card. This means you could earn cashback more quickly on your account.

The additional cardholders must be close family members who live at the same address as you. You will be responsible for the use of and payments on the additional cards. If the additional cardholder isn't a Santander customer we may ask for ID for them.

Experience the world with Mastercard

Mastercard is accepted at more than 100m places worldwide so you can use your card wherever you see the Mastercard sign at home and abroad.
Priceless.com is available exclusively to Mastercard cardholders and offers access to incredible experiences and valuable everyday offers in the cities you live and travel to. Fuel your passions with one-of-a-kind, customised experiences, from culinary arts and culture, to music, sports and more. Register online at priceless.com to receive regular updates on how you can access these exclusive experiences.
To be one of the first to know about events and experiences and participate in prize draws, make sure you’re opted in to receive marketing messages from Santander.

The Santander Edge credit card gives you complete control with Mobile Banking.

Card controls

You can use Mobile Banking to help you take control of your card account.

Never worry about forgetting your PIN again – it’s ready to view any time in Mobile Banking.
You can temporarily freeze your card if you think you’ve lost it or it’s been stolen. You can unfreeze it if you find it again. This saves you the hassle of cancelling it and waiting for a new one.
You can block certain transactions such as gambling, online, international and contactless to protect yourself and your spending.
Your contactless card allows you to pay for things that cost up to £100, but you can lower this limit using our chat service in Mobile or Online Banking.

Minimum repayment

You must make at least the minimum repayment each month towards your credit card balance. The amount and due date will be on your statement.

Direct Debits – never miss a payment

Setting up a Direct Debit means you’ll never miss a payment.

There are 3 types of Direct Debit to choose from:

Full payment: pay off the entire balance each month.
Minimum payment: a percentage of your balance you must pay each month to keep your account up to date.
Fixed payment: an amount that you decide to pay off each month.

Contactless payments

All our credit cards are contactless, so making payments is secure, easy and convenient. You can also link your Santander credit card to your phone or smartwatch and pay wherever you see the contactless symbol. We support: Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Find out more

Fraud protection

Our priority is to help protect you from falling victim to fraud or a scam. We have systems in place to detect unusual transactions on your account and online security measures to keep your money safe. Find out more

Key documents

When you apply, we’ll carry out a credit check. This will help us to decide the credit limit we can offer. We’ll tell you your credit limit once your application has been accepted.

Borrowing options

A credit card may not always be the best solution for you. We have other borrowing options such as overdrafts and personal loans. Plus there are additional loans for our existing mortgage customers.

Not sure which credit card is right for you? See all of our cards

It's important that you read the information and documents below. If there's anything that you don't understand, then please contact us. Please tick the boxes to show that you want to proceed with an application.

We’ll email you copies, but you should read and consider these documents before you apply (you can also print or save them). If you have any questions or need further information, please contact us. To see these documents, you may need to download Adobe Reader

Santander Edge credit card Key Facts Document (pdf)
including Summary box, Pre-Contractual Explanation, Pre-Contract Credit Information, Key terms and Cashback terms
Terms & Conditions and Important Information (pdf) including Additional terms and Data Protection Statement

Here is a summary of the important information from the Pre-Contractual Explanation. The full version of this can be found in the Santander Edge credit card Key Facts Document. Click on the link above to see this. You should read it before you apply.

A credit card is more suitable for borrowing over a shorter period of time. There may be cheaper ways to borrow large amounts.

With some credit cards, we offer 'introductory' interest rates and charges for a set period of time. Your introductory period starts from the day you open your account.

You should try to clear the balance on your card before your introductory period ends. This is because higher interest rates and charges will apply after an introductory period has stopped.

The interest rate and charges you have to pay depends on how you use your credit card. For example, we'll always charge a higher rate for taking out cash using your credit card.

What should you know about balance transfers?
We charge 3% of the amount of each balance transfer you make (minimum £5).

What’s the monthly fee for using the credit card?
We charge a £3 monthly fee for this credit card.

Can we change interest rates and charges?
We can change these rates and charges but we’ll tell you before we do.

Each month, we'll give you a statement showing the minimum payment you'll need to pay for that month.

It will cost you more if you only make your minimum payments. The quicker you pay off your balance, the less it will cost you in the long run.

If you don't make a payment on time, or you miss a minimum payment, we'll charge a £12 fee. That means the total cost of your debt will grow, and we'll keep charging interest on the amounts you should've paid. We’ll also report this to credit reference agencies who’ll record it on your credit file. This will affect your credit rating and might make it more difficult for you to borrow in future.

If you miss multiple repayments you might have legal action brought against you. In the very worst case your debt might be secured against your house or your debt may be transferred to a debt recovery company. To avoid getting into this situation, please contact us if you're struggling to keep up with your payments.

You have up to 14 days to decide if this is the right card for you, starting from the day after you receive your card. If you decide you no longer want your new credit card you must let us know and you must repay anything you owe.

Paper-free means we send your statements and other important information, including change of account terms and arrears notices, to your ‘Statements and documents’ in the Mobile Banking app or in Online Banking.
We may occasionally still need to send some correspondence by post.
Your account will be set to paper-free but after it’s opened you can ask to receive your information by post instead using Online or Mobile Banking, in a branch or by phone

To apply, you must answer yes to the following.

I have a personal UK current account with Santander. You’ll be asked for your account number and sort code as part of the application.
I don’t already have a Santander Edge credit card.
I have an income of £10,500+
I live in the UK and can provide 3 years’ address history (if you’ve lived abroad in the last 3 years, please apply in branch).
I haven’t been declared bankrupt, had a CCJ or an IVA within the last 6 years.
I accept the Key Facts Document and Terms & Conditions.

By ticking this box I confirm all the above information is correct and I am eligible to proceed with an application.

I agree to receive statements and other account information (including change of account terms and arrears notices) in e-Documents in Online Banking.
I also agree that you can use the email address I provide in this application to notify me when a document is available.

Credit check
When you apply, a credit check will be carried out which will show on your credit file.

Your contact preferences
During the application you’ll be asked if you want to hear about products, services and offers that may be of interest. Please note the preferences you select will override any previous preferences given. If you’d like to amend those preferences please contact us at any time.

Credit limit increase preferences
During your application we’ll ask if you want us to increase your credit limit in the future:

If you answer yes, we’ll automatically increase your credit limit but we’ll let you know before the changes are made so you have the option to decline it
If you answer no, we’ll send you details of the increase and you’ll need to contact us to accept it

If you’d like to amend your preference please contact us at any time.

Before you apply for a credit card, please consider any future changes to your financial circumstances that may affect whether you can make your repayments. If your income is reducing and/or outgoings increasing, use the newer figures in your application so that we can make sure the credit card is affordable for you.

If you have Experian CreditLock or similar with another credit reference agency, you'll need to switch it off before you apply.

Information correct as at 3 July 2024.