Santander Edge Credit Card
Representative APR
29.8% APR (variable)
Purchases
23.9% (variable) p.a.
Balance Transfers
23.9% (variable) p.a. (3% fee)
Account Fees
£3 per month
Representative Example:
At an assumed credit limit of £1,200, with a purchase rate of 23.90% (variable) p.a., most accepted customers get a rate of 29.8% APR (variable).
Editor’s Note: While we always aim to give you accurate product information at the point of publication, rates, prices, terms and promotions can always be changed by the provider afterwards and without notice, so be sure to double check first.
Our Verdict
The Santander Edge credit card offers a higher cashback rate of 2%, with an annual fee of £36. While the cashback rate drops to 1% after the first year, the potential yearly earnings can make this card worthwhile for Santander customers. Additionally, the card features 0% fees on foreign transactions, making it a good option for frequent travellers.
Important: The information contained in this table summarises key product features and is not intended to replace any terms and conditions from the card issuer.
Product Features & Benefits
| Issuer | Santander |
|---|---|
| Network | Mastercard |
| Primary Category | Cashback |
| Loyalty Scheme | |
| Incentive on opening | Earn 2% cashback (up to £15 a month) on all purchases for the first year. |
| Cashback/Rewards (if applicable) | 2% cashback on purchases for the first year. Maxmimum monthly cashback is capped at £15. After the first year, it's 1% cashback on purchases capped at £15 per month. |
| Account Fee | £3 per month |
| Purchases | 23.9% (variable) p.a. |
| Purchases Interest Free Period | 56 days |
| Balance Transfers | 23.9% (variable) p.a. (3% fee) |
| Balance Transfer Fee | 3.00% |
| Cash Advances | 29.90% (variable) p.a. (fees apply) |
| Minimum Credit Limit | £ 500.00 |
| Maximum Credit Limit | Subject To Status |
Fees & Charges
| Account Fee | £3 per month |
|---|---|
| Late Payment | £ 12 |
| Returned Payment | £ 0 |
| Exceed Limit | £ 12 |
| Duplicate Statement | £ 0 |
| Replacement Card | £ 0 |
| Trace Fee | £ 0 |
| Cash Withdrawal Fee | 3% |
| Cash Withdrawal Minimum Charge | £ 3 |
| Foreign Usage EU | 0.00% |
| Foreign Usage World | 0.00% |
Application Requirements
| Availability | Only available to Santander personal current account holders and not already have a Santander credit card |
|---|---|
| Minimum Income | £ 10,500 |
| Minimum Age | 18 |
| Residency | Permanent resident in the UK. |
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34.4% Representative APR (variable)
Mintify Limited, trading as Mintify, is an Introducer Appointed Representative of Creditec Limited and is acting as a credit broker, not a lender.
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