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 as part of the application
- To be aged 18 or over and a permanent UK resident
- To have an income of £10,500 or more a year
- Not have been declared bankrupt, had a CCJ or an IVA within the last 6 years
- Don't already have a Santander Edge Credit Card
All credit is subject to status. A full credit check will be made on application.
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 | |||
|---|---|---|---|
| Representative29.8% APR(variable) | Purchase rate23.9% p.a.(variable) | Assumed credit limit£1,200 | Monthly fee£3 |
Cashback calculator
Get an estimate of how much cashback you could earn based on your spending.
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.
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
- Santander Edge credit card Key Facts Document (PDF - 995 KB)
- General Terms & Conditions (PDF - 215 KB)
- Summary box (PDF - 106 KB)
- Cashback terms (PDF - 56 KB)
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.
You can use our eligibility checker to get an idea of your credit limit before you apply. This can help you decide if this credit card meets your needs.
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.
Information correct as at 3 July 2024.
Not sure which credit card is right for you? See all of our cards