Credit cards

Choose the credit card that meets your needs and helps you pay smarter

Pay smarter with a Santander credit card


Discover a range of credit cards to help you pay smarter – from managing everyday spend to making the most of your money.

Offering rewards, control and security, using a credit card could be a smarter way to pay.

Our credit cards are designed to help you in your day-to-day life, whether you’re looking to pay off more expensive balances on other cards, or earn cashback and rewards on your daily spending.

You can check your eligibility before you apply – it’s quick and it won’t affect your credit score.

Once you’ve found the right card, you can apply in just a few steps.

Remember, credit cards are a type of borrowing. If you don’t pay in full by the date on your monthly bill, you’ll be charged interest.

What type of card would you like?

Why should I consider a credit card?

Buy with confidence

Credit cards give you protection under the Consumer Credit Act for some purchases over £100.

Keep control of your credit card

Manage your spending with transaction notifications, freeze and unfreeze your credit card and account alerts.

Build your credit score

Credit cards could help you build your credit score if you stay within your credit limit and make your monthly payments on time.

You can apply for a credit card if you’re a permanent UK resident aged 18 years or over. You need a guaranteed annual income of £10,500 or more (before tax). You need to have a good credit record and not been declared bankrupt, had a CCJ or an IVA within the last 6 years. All credit is subject to status and credit checks.