3% cashback in year 1 on everyday travel, eating out and takeaways - includes fuel, EV charging, trains, restaurants, cafes and more
0.25% cashback on everything else you buy from groceries to garden furniture
After the first year you’ll earn 0.25% cashback on everything you buy
Get your cashback paid monthly
No foreign exchange fees on purchases abroad in the local currency
Sign up to Santander Boosts for even more offers and discounts
The Rewards Credit Card has no monthly fee.
Terms and conditions and certain cashback restrictions apply.
Check your cashback credit card eligibility
Find out how likely you are to be accepted for a credit card. It only takes a few minutes to complete with no impact on your credit score, and you’ll even get an indication of your credit limit.
What you need to apply:
- 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 Rewards Credit Card
All credit is subject to status. A full credit check will be made on application.
| Representative example | |||
|---|---|---|---|
| Representative24.9% APR(variable) | Purchase rate24.9% p.a.(variable) | Assumed credit limit£1,200 | Monthly fee£0 |
Not sure which credit card is right for you? See all of our cards
How much cashback could you earn?
Here is an example based on spending £950 a month with our cashback credit card
Year 1 (the first 12 months from account opening)
| You spend | Cashback rate | You earn |
| £100 on everyday travel | 3% | £3 |
| £150 on restaurants and takeaways | 3% | £4.50 |
| £700 on everything else | 0.25% | £1.75 |
Monthly cashback: £9.25
Year 1 cashback: £111
After your first year, you’ll earn 0.25% cashback on all spend:
Monthly cashback: £2.38
Yearly cashback: £28.56
This is an illustrative example only. Actual cashback earnings will depend on how you use the card. Cashback depends on how retailers are categorised using something called Merchant Category Codes, or MCCs. So you may get a different cashback rate than you expect. For more information on what this means, check the cashback terms (PDF - 93 KB).
More information about the Rewards Credit Card
Account fee
There is no account fee for this card.
Cashback
For the first year after opening your account, you’ll earn 3% cashback on things you do every day like:
Your commute – trains, buses, TfL and taxis.
Topping up – petrol, diesel, LPG and electric vehicle (EV) charging away from home.
Eating out and eating in – restaurants, cafes, takeaways and takeaway deliveries.
Earn 0.25% cashback on everything else you buy
Cashback will be paid on to your credit card every month - so you don’t have to wait to enjoy it.
Will I always earn 3% cashback?
After year 1, you’ll earn 0.25% cashback on everything you buy.
How do I work out how much cashback I’ll earn?
Cashback depends on how retailers are categorised using something called Merchant Category Codes, or MCCs. For more information on what this means, check the cashback terms (PDF - 93 KB).
Things to keep in mind:
- When eating out in pubs, bars and hotel restaurants you might not earn 3% cashback. That’s because those places are usually classified differently from restaurants and cafes.
- There are some supermarket petrol stations where you might not earn 3% cashback, although most of them will qualify.
- You may earn cashback on purchases made abroad too, but MCCs can vary by region, payment provider or how the merchant is set up. This means some overseas purchases may earn a different cashback rate than you expect. We can’t validate cashback earned on purchases made abroad.
Don’t worry though, you’ll still earn 0.25% cashback.
Anything else I need to know?
Some transactions aren't eligible.
Cashback will be paid into your account on the same day as your statement date.
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 Rewards 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.
Cashback paid into your account won’t count towards your minimum payment.
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.
Key documents
- Santander Rewards Credit Card Key Facts Document (PDF - 354 KB)
- General Terms & Conditions (PDF - 215 KB)
- Summary box (PDF - 99 KB)
- Cashback terms (PDF - 93 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.
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.
Pay smarter with a Santander credit card
Rewards
As part of taking the Rewards Credit Card we may send you further offers and rewards. If you choose not to receive marketing then you could miss out on:
Vouchers and offers from our partners
Santander Boosts
By joining you can turn your everyday shopping into something more – including cashback, vouchers and prize draws
Priceless Experiences
Experiences that stay with you long after you've paid the bill. With priceless.com, discover unforgettable events and offers in the cities where you live and travel. Only with your Santander Mastercard.
Give me an example of how paying with a credit card rewards me
Control
- Choose how and when to pay. Clear your balance when your bill arrives or make smaller payments throughout the month - whatever works for you.
- You’ll get up to 56 days interest-free, and if you pay in full and on time, you won’t pay any interest.
- Use your credit card for your daily spend and your current account for your monthly bills (like rent, mortgage, utility bills, etc.). Keeping them separate means you can track and manage your spending more easily.
- Use our Mobile Banking app to stay in control. Card controls let you turn on and off certain types of purchases, like online, international, contactless and gambling.
- Register for free account alerts by text or email. These help to keep you safe and in control of your money. We can send you alerts when you’re near your credit limit, to help you avoid fees.
Simple. Flexible. In control.
Give me an example of how a credit card helps me stay in control
Security
- See something suspicious? Block your card instantly in our app and let us know. You’ll be protected, and no money has left your current account.
- Problem with a purchase? We’ll help you raise a claim to get your money back.
- Lost your card? Freeze it in seconds using our app. If you find it later, just unfreeze it — no need to wait for a new one.
- Buy with confidence – you’ll get protection under the Consumer Credit Act for some purchases. Section 75 protects you if certain things go wrong.
Because your card shouldn’t just help you pay — it should help you feel secure too.
Using credit isn’t right for everyone. Make sure you understand how a credit card works. There’s some information above to help you. Always pay on time and stay within your credit limit to avoid unexpected fees.
Information correct as at 4 June 2026.