Santander Rewards Credit Card cashback rate, cap and annual fee
Santander Rewards Credit Card pays 0.25% on everything, as a base rate.
This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.
Santander · United Kingdom · catalogue v103
Read from Santander's own published terms on 1 Oct 2026.
NoneAnnual fee
0.25%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| everything else | 0.25% | —0.25% cashback on purchases. 3% on travel, fuel, transport and eating out in the first 12 months only. |
A first-year card: 3% cashback on fuel, EV charging, trains, buses, restaurants, cafes and takeaways for the first 12 months, then 0.25% on everything, which is the rate shown. No monthly fee and no non-sterling fee. Source: santander.co.uk Rewards page ("correct as at 4 June 2026"), summary box and cashback terms (June 2026), read 1 Oct 2026.
Questions people ask
What cashback does the Santander Rewards Credit Card pay?
0.25% on everything, as a base rate.
Is there a cap on the Santander Rewards Credit Card?
No monthly cap is published on the rates shown here.
What is the annual fee on the Santander Rewards Credit Card?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.
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