Santander Edge Credit Card 2026 Review

Mika L.
Written by Mika L.
Financial Content Writer
Mat C.
Edited by Mat C.
Managing Editor & Senior Developer

Santander Edge Credit Card4.6/5

Santander

Annual fee
£48
Rewards rate
1%-0%
Welcome Bonus
£48
Apply Now →on Santander's website
Regular APR:37.8% Variable APR

  • 1%Cashback on selected spending, capped at £10/month

Welcome Bonus:

As of early 2026, Santander personal current account holders can get a £48 cashback bonus when taking out the Santander Edge Credit Card.

Reward Rate:

Offers 1% cashback on selected spending (up to £10/month) and no foreign exchange fees on overseas spending.

APR:

37.8% Variable APR

The standout feature of the Santander Edge Credit Card is its cashback offering, which allows users to earn 1% on selected spending while enjoying no foreign exchange fees on overseas transactions. However, the monthly fee and high APR may deter some potential cardholders.

Pros:

  • No foreign exchange fees
  • Cashback on selected spending

Cons:

  • Monthly fee applies
  • High APR
Apply now →

The Santander Edge Credit Card may be suitable for consumers who frequently spend in the targeted categories to maximize cashback rewards and who travel abroad, as it offers no foreign exchange fees. However, the annual fee and relatively high APR could make it less appealing for those who do not regularly utilize the card’s benefits.

Frequently Asked Questions

Related Guides