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How to cancel a Santander credit card

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You can easily close your Santander credit card, but you can’t do it without calling. Most credit card issuers like for you to call, because it gives them the chance to offer you better card terms and potentially entice you to stay on as a customer.

Looking for a new card?

Whether or not you decide to close your Santander credit card, you might want to consider a better one. The right card can help you boost your credit score while better fitting your spending and lifestyle.

Name Product Filter values Annual Fee APR for Purchases (Purchase Rate) Intro APR for Balance Transfer
$95
14.99% to 25.99% variable
0% for the first 12 months (then 14.99% to 25.99% variable)
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
$550
None (Charge Card)
Get 5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5X points on eligible hotels booked on amextravel.com. Rates & Fees
$0
14.99% to 25.99% variable
0% for the first 15 months (then 14.99% to 25.99% variable)
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
$0
13.99% variable
0% for the first 15 billing cycles (then 13.99% variable)
A low, variable APR on purchases, balance transfers and cash advances.
$0 annual fee for the first year ($89 thereafter)
17.99%, 21.99% or 24.99% variable
0% for the first 12 months (then 17.99%, 21.99% or 24.99% variable)
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
$0
14.99%, 18.99% or 24.99% variable
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
$0
12.99%, 16.99% or 20.99% variable
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
$0
11.99% to 21.99% variable
1.99% for the first 6 monthly billing cycles (then 11.99% to 21.99% variable)
1% cash back to the nonprofits, K-12 schools, colleges and religious organizations of your choice.
$0
17.74% to 26.74% variable
Earn 10,000 Bonus Miles after spending $500 in purchases on your new card in your first 3 months of Card Membership. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
$0 annual fee for the first year ($95 thereafter)
17.74% to 26.74% variable
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
$95
17.74% to 26.74% variable
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of Card Membership. Rates & Fees
$0
17.74% to 26.74% variable
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of Card Membership. Rates & Fees
$495
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
$195
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
$995
16.99% variable
0% for the first 15 billing cycles (then 16.99% variable)
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.
$39
24.99% variable
Designed to help build credit history with no deposit required and access to benefits.
$75 annual fee for the first year ($99 thereafter)
23.9% variable
The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
$75 annual fee for the first year ($48 thereafter)
29.99% variable
The First Access Card is a true VISA® credit card that does not require perfect credit for approval.
Up to
19.99% to 25.99% variable
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
$0
20.74% variable
Designed for college students to build credit history and earn rewards.
$35
19.39% variable
A secured Visa® credit card that helps you build your credit quickly.

Compare up to 4 providers

Steps to cancel your Santander credit card

  1. Pay off your balance. You can’t close your card with a balance. If you’re not in a position to pay it off, consider transferring your balance to another card.
  2. Redeem your rewards. If you’ve earned rewards with Santander, you’ll lose them by canceling your card.
  3. Contact customer service. When you’re ready to cancel, call 877-768-2265 from 6 a.m. to 10 p.m. ET.

How to call in to cancel

When you call Santander’s customer support at 877-768-2265, expect to hear new offers like interest-free periods, increased credit lines or other bonuses. If you like what you hear, consider keeping your Santander card and instead canceling another in its place.

If you’re determined to close your account, decline any offers and prepare to:

  • Provide your credit card and account information.
  • State your reason for canceling the card — any reason will work.
  • Write down the representative’s ID and name, which you may need for your confirmation letter.

Will canceling my Santander credit card affect my credit score?

Canceling your Santander credit card might affect your credit score. Before canceling, consider:

  • Your overall credit utilization. If you have a low utilization ratio — say, 20% or less — and a solid credit score, closing your card won’t affect your score by much. But closing a card increases your utilization across your cards, which can lower your credit score.
    • Solution. Signing up for another card can increase your overall available credit and lower your utilization level. Note that a hard pull on your credit that’s part of taking on a new card can temporarily drop your credit score.
    • Your plans to apply for a loan. Canceling a card with a high credit limit could lower your credit score, which might result in a less competitive rates or terms on a loan you’re looking to apply for soon.
      • Solution. Signing up for another card can increase your overall available credit and lower your utilization level. Note that a hard pull on your credit that’s part of taking on a new card can temporarily drop your credit score.

      After you’ve canceled your Santander credit card

      Tie up your cancellation by sending a letter to Santander that confirms:

      • Your name and address.
      • Your credit card number.
      • The date that you called to cancel.
      • The name and ID of the representative you talked to.
      • Request for an account closure confirmation letter.

      Send your letter to Santander’s notice address at:

      Credit Card Inquiries
      Santander Bank
      MA1-MB3 01-09
      PO Box 841002
      Boston, MA 02284

Now that you’ve closed your Santander card, compare top credit cards to find the best rates, terms and rewards you’re eligible for.

Kliment Dukovski

Kliment Dukovski is a writer who specializes in global financial markets and personal finance, with a focus on credit cards. His main goal is to deliver honest and accurate information to help you make the right financial decision. When he's not writing about finance-related subjects, he writes sci-fi stories.

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
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APR

29.99
variable

Annual fee

75 For the first year
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Indigo® Platinum Mastercard® Credit Card
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APR

23.9
variable

Annual fee

75 For the first year
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