Cashback
3%
Drops to 0.25% after 12 months
Rep. APR
24.9%
Variable
Annual fee
£0
Spending abroad
Free
No foreign transaction fees
Lounge access
Not included
3% selected categories yr1; 0.25% other spend.
Opening offer
3% cashback on travel, fuel/EV charging, dining and takeaways for first 12 months.
Dining includes restaurants, cafes, deliveries.
No non-sterling transaction fee on purchases.
Income £10,500+.
The Santander Rewards Credit Card earns 3% cashback on travel, fuel, dining and takeaways in your first year, which is the best earn rate we track against a typical card rate of 0.74%. I particularly like that it also costs nothing abroad on Mastercard, sitting practically nothing off the real exchange rate. The genuine catch is the minimum £10 cashback per month on those bonus categories, and note that flights are excluded. At 24.9% APR it is cheaper to borrow on than most fee-free cards.
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