Santander Cashback Credit Card

Key facts
Representative APR	24.9% representative (variable)
0% on purchases	—
0% balance transfers	—
Annual fee	£0 monthly
Foreign transaction fee	0% (no FX fee on purchases/withdrawals in local currency)
Standard purchase rate	24.9%
Cash withdrawal fee	3% (min £3) cash transaction fee
Rewards / cashback	3% cashback in year 1 on travel, eating out, takeaways (incl. fuel/EV); 0.25% on everything else
Airport lounge access	No airport lounge benefit listed on the issuer’s product page.

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Source: santander.co.uk/personal/credit-cards/santander-rewards-credit-card · Last checked 30 October 2026

Figures are as published by Santander when we last checked and may have changed. The rate you’re offered depends on your circumstances. This is general information, not financial advice – read the summary box on the issuer’s site before applying.