Smart cashback and fee-free travel spending
1% Cashback on Purchases
Earn 1% on eligible spending, capped at £10 per month.
0% Foreign Transaction Fees
Pay abroad in local currency with no FX fee on purchases.
Purchase Protection & Interest-Free
Section 75 cover and up to 56 days interest-free when paid in full.
Clear, Predictable Pricing
£4 monthly fee; representative 37.8% APR (variable).
Spend Smarter at Home and Abroad: The Big Picture
The Santander Edge Credit Card is designed for day-to-day spending in the UK and for effortless use on holiday. Its proposition is straightforward: a flat 1% cashback on eligible card purchases, capped at £10 each statement month, alongside no foreign transaction fees on purchases when you choose to pay in the local currency. There’s a £4 monthly fee, and the representative APR is 37.8% (variable), with a purchase rate of 29.9% p.a. (variable). For most cardholders who put £1,000 a month of eligible spend on the card, the monthly cashback cap of £10 can offset the £4 fee, leaving a clear, predictable net benefit—especially if you also take advantage of the 0% FX fee on overseas purchases.
Eligibility follows standard UK credit-card practice. Applicants should be 18 or over, permanently resident in the UK, and have a minimum annual income that meets the bank’s criteria. You’ll need to pass a credit check and hold a personal Santander UK current account (cahoot, Cater Allen and business accounts aren’t eligible for this requirement). Santander offers a simple online checker so you can see your chances before applying.
Day-to-day management happens in the Santander mobile app and online banking. You can freeze/unfreeze your card, set spend and security alerts, and enable merchant-type blocks such as online, international or gambling. Digital wallets are supported, including Apple Pay, Google Pay, Samsung Pay and Garmin Pay. Purchases can benefit from up to 56 days’ interest-free when you pay your statement in full and on time. Cash withdrawals are best avoided unless essential, as they incur a cash transaction fee and begin accruing interest immediately. Balance transfers are supported with a fee and no introductory 0% period, so this is not a debt-shifting card.
For extra reassurance on bigger buys, qualifying transactions are protected under Section 75 of the Consumer Credit Act (£100–£30,000). You can also request additional cards for close family at the same address (useful for consolidating household spending towards the cashback cap). Used as a pay-in-full everyday card—especially for travel—the Santander Edge Credit Card delivers a tidy blend of simplicity, control and steady value.
Ready to Apply? Here’s Why Edge Stands Out
If you prefer simple, automatic value over chasing rotating categories or complicated tiers, the Santander Edge Credit Card is refreshingly straightforward. Use it for everyday UK spending to earn a consistent 1% back (up to £10 each month), and take it on holiday to enjoy 0% FX fees on purchases—so you can pay the café bill or the museum tickets in the local currency without extra charges from your card issuer. The £4 monthly fee is easy to justify if you regularly spend around £1,000 a month on eligible purchases or if you travel abroad during the year. Add the Santander app’s controls and alerts, digital-wallet support, and Section 75 protection, and you’ve a practical, well-rounded card for daily life.
Apply now to check your eligibility, set up a Direct Debit to pay in full each month, and start earning cashback while keeping travel spending simple.