How to cancel a Santander credit card

Unlike some credit card issuers, Santander doesn't insist that you get on the phone in order to cancel your card.

Most credit card issuers prefer you to call them because it gives them the chance to offer you better card terms and potentially entice you to stay on as a customer. However, with Santander, you’ve got three options:

  • Via the app. Open the app, click on ‘Chat with us’ and ask to close your account.
  • Online. Login to online banking, then click ‘Chat with us’ and ask to close your account.
  • At a branch. Pop into a branch and let Santander know – it doesn’t need to be your local branch.

If your card has been lost or stolen, call +44 (0)800 891 725.

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 any rewards. If you’ve earned rewards with Santander, you’ll lose them by cancelling your card. See if you can redeem them first.
  3. Contact customer service. Choose one of the three methods listed above to let Santander know.

Need a new card?

Table: sorted by representative APR, promoted deals first

Regardless of whether you decide to close your Santander credit card, you might still want to consider a better one. The right card can help you build your credit score while better fitting your spending and lifestyle.

Name Product Rating Finder score Customer rating Balance transfers Balance transfer fee Purchases Annual/monthly fees Representative APR Incentive Link
Santander Everyday Long Term Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 26 months reverting to 23.9%
3% (min. £5)
0% for 3 months reverting to 23.9%
£0
23.9% APR (variable)
Sign up for Santander Boosts to receive cashback, vouchers, offers and prize draws from selected retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a., your representative rate is 23.9% APR (variable).
Check eligibility
HSBC Purchase Plus Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 16 months reverting to 24.9%
3.49%, min £5
0% for 18 months reverting to 24.9%
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
M&S Bank Credit Card Transfer Plus Offer Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 26 months reverting to 24.9%
3.49%, min £5
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Check eligibility
Royal Bank of Scotland Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 13 months reverting to 24.9%
0%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
HSBC Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 27 months reverting to 24.9%
3.49% fee, min £5
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 19 months reverting to 24.9%
2.99%
0% for 19 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
NatWest Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 19 months reverting to 24.9%
2.99%
0% for 19 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
Royal Bank of Scotland Longer Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 23 months reverting to 24.9%
3.49%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
NatWest Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 13 months reverting to 24.9%
0%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
NatWest Longer Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
0% for 23 months reverting to 24.9%
3.49%
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
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Name Product Rating Customer rating Finder score Purchases Balance transfers Annual/monthly fees Representative APR Incentive Link
Royal Bank of Scotland Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
NatWest Purchase & Balance Transfer Credit Card
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Go to site
HSBC Purchase Plus Credit Card
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 18 months reverting to 24.9%
0% for 16 months
(3.49%, min £5 fee)
£0
24.9% APR (variable)
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable). You might get different interest rates and promotional periods to those shown here, because these depend on your circumstances.
Check eligibility
Santander All in One Credit Card
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 15 months reverting to 23.9%
0% for 15 months
(0% fee)
£3 per month
29.8% APR (variable)
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
Check eligibility
Tesco Bank Clubcard Plus Credit Card Mastercard
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 24 months reverting to 19.94%
21.81%
(3.99% fee)
£7.99 per month
37.7% APR (variable)
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 19.94% (variable) p.a. with a fee of £7.99 per month, your representative rate is 37.7% APR (variable).
Barclaycard Platinum all-rounder Visa
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 21 months reverting to 24.9%
0% for 20 months
(2.99% fee)
£0
24.9% APR (variable)
Buy tickets for up to 3500 selected live events through Barclaycard entertainment and get 5% off tickets per year and exclusive pre-sale tickets on selected festivals with 10% off ticket prices.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
MBNA 0% Transfer and Purchase Credit Card
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 20 months reverting to 23.94%
0% for 20 months
(3.49% fee)
£0
23.9% APR (variable)
Earn up to 15% cashback on purchases through Smart Rewards at popular retailers.
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
M&S Bank Credit Card Purchase Plus Offer Mastercard
Not yet rated
★★★★★
User rating
Not yet rated
0% for 20 months reverting to 24.9%
0% for 12 months
(0% fee)
£0
24.9% APR (variable)
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Ulster Bank Purchase & Balance Transfer Credit Card Mastercard
Finder score
★★★★★
Not yet rated
★★★★★
Expert analysis
0% for 19 months reverting to 24.9%
0% for 19 months
(2.99% fee)
£0
24.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Lloyds Bank Platinum 0% Purchase and Balance Transfer Credit Card Mastercard
Finder score
★★★★★
★★★★★
User rating
★★★★★
Expert analysis
0% for 19 months reverting to 23.94%
0% for 17 months
(2.99% fee)
£0
23.9% APR (variable)
Representative example: When you spend £1,200 at a purchase rate of 23.94% (variable) p.a., your representative rate is 23.9% APR (variable).
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Name Product Purchases Annual/monthly fees Representative APR Link Incentive Representative example
M&S Bank Credit Card Transfer Plus Offer Mastercard
0% for 3 months reverting to 24.9%
£0
24.9% APR (variable)
Check eligibility
1 point per £1 spent with M&S and 1 point per £5 spent elsewhere. Enjoy 55 days interest free, preferential rates plus no cash advance fee when buying M&S travel money with the card.
Representative example: When you spend £1,200 at a purchase rate of 24.9% (variable) p.a., your representative rate is 24.9% APR (variable).
Santander All in One Credit Card
0% for 15 months reverting to 23.9%
£3 per month
29.8% APR (variable)
Check eligibility
0.5% after £1 of monthly spend. Maximum of £10 cashback paid per month. Cashback paid Monthly into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 23.9% (variable) p.a. with a fee of £3 per month, your representative rate is 29.8% APR (variable).
British Airways American Express® Credit Card
31%
£0
31% APR (variable)
Check eligibility
Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights).
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
American Express® Rewards Credit Card
31%
£0
31% APR (variable)
Check eligibility
Earn 1 Membership Rewards® point for every £1 spent thereafter. Earn up to 90,000 bonus points per year through refer a friend, 4,000 points awarded for every friend approved. 1 point = 0.45p (min 1,000 points) to shop, other rewards have differing conversions.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
American Express® Platinum Cashback Everyday Credit Card
31%
£0
31% APR (variable)
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £100) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.5% cashback on all purchases. Spend over £10,000 and receive 1% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Royal Bank of Scotland Reward Credit Card
25.9%
£24 per annum. Reward Current Account holders: £0 per annum
31% APR (variable)
Go to site
Earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).
NatWest Reward Credit Card
25.9%
£24 per annum. Reward Current Account holders: £0 per annum
31% APR (variable)
Go to site
You'll earn 1% back at supermarkets and 0.25% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 25.9% (variable) p.a. with a fee of £24 per annum. Reward Current Account holders: £0 per annum, your representative rate is 31% APR (variable).
American Express® Platinum Cashback Credit Card
31%
£25 per annum
36.7% APR (variable)
Check eligibility
New welcome offer: Get 5% cashback on your purchases (up to £125) for the first 3 months of Cardmembership. Terms apply. Spend £0 to £10,000 and receive 0.75% cashback on all purchases. Spend over £10,000 and receive 1.25% cashback on purchases.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of £25 per annum, your representative rate is 36.7% APR (variable).
American Express® Nectar Credit Card
31%
Year 1 - £0, Year 2 onwards - £30 per annum
37.8% APR (variable)
Check eligibility
New welcome offer: Earn 20,000 bonus Nectar points when you spend £2,000 in your first 3 months. Earn a minimum of 3 Nectar points for virtually every £1 spent at Nectar partners, and 2 Nectar points for virtually every £1 spent elsewhere.
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £30 per annum, your representative rate is 37.8% APR (variable).
Royal Bank of Scotland Reward Black Credit Card
21.9%
£84 per annum. Reward Black Current Account holders: £0 per annum
40.7% APR (variable)
Go to site
Earn 1% back at supermarkets and 0.5% back everywhere else, including supermarket petrol stations. At selected retailers, you could earn 1-15% back.
Representative example: When you spend £1,200 at a purchase rate of 21.9% (variable) p.a. with a fee of £84 per annum. Reward Black Current Account holders: £0 per annum, your representative rate is 40.7% APR (variable).
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Name Product Rating Finder score Customer rating Annual/monthly fees Initial credit limits Minimum income Representative APR Incentive Link
Additional account needed
HSBC Student Credit Card Visa
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
Min. limit £250, max. limit £500.
Not specified
18.9%
Available alongside an HSBC Student Account (receive £100 and a 1-year subscription to Headspace when you open a new student account).
Representative example: When you spend £500 at a purchase rate of 18.9% (variable) p.a., your representative rate is 18.9% APR (variable).
Go to site
Barclaycard Forward Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
Min. limit £50, max. limit £1,200.
£3000
33.9%
Rate discounts: 3% interest rate reduction if you make all your repayments on time for the first year, and a further drop of up to 2% more if you continue to do so in the second year.
Representative example: When you spend £1,200 at a purchase rate of 33.9% (variable) p.a., your representative rate is 33.9% APR (variable).
Check eligibility
Additional account needed
AIB Student Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Min. limit £300, max. limit not specified.
Not specified
12.9%
Representative example: When you spend £1,200 at a purchase rate of 12.2% (variable) p.a., your representative rate is 12.9% APR (variable).
Additional account needed
TSB Student Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Min. limit £500, max. limit £1,000.
Not specified
21.9%
Representative example: When you spend £1,000 at a purchase rate of 21.95% (variable) p.a., your representative rate is 21.9% APR (variable).
TSB Classic Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Min. limit £500, max. limit not specified.
Not specified
28.9%
Representative example: When you spend £1,200 at a purchase rate of 28.95% (variable) p.a., your representative rate is 28.9% APR (variable).
Sainsbury's Bank Everyday Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
Min. limit not specified, max. limit not specified.
Not specified
29.4%
3 Nectar points per £2 spent in Sainsbury's, Argos, Habitat and Tu clothing, and 1 Nectar point for every £5 spent elsewhere. 1 point = 0.5p (min 500pts)
Representative example: When you spend £1,200 at a purchase rate of 29.4% (variable) p.a., your representative rate is 29.4% APR (variable).
Tymit Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Min. limit £500, max. limit £15,000.
Not specified
29.9%
Representative Example: 29.9% (variable) based on a borrowing of £1200 over 12 months with no annual fee.
Tesco Bank Foundation Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
Min. limit £100, max. limit not specified.
£5000
29.9%
5 points per £4 spent (£4 minimum) in Tesco and 1 point per £8 spent (£8 minimum) outside Tesco. Must have available credit to earn points. Points are converted to Tesco vouchers or can be exchanged for Partner rewards to receive money off a variety of restaurants, entertainment or Avios points.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
Bip Credit Card Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
Not yet rated
£0
Min. limit £250, max. limit not specified.
£5000
29.9%
Representative example: When you spend £1,200 at a purchase rate of 29.95% (variable) p.a., your representative rate is 29.9% APR (variable).
HSBC Classic Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
£0
Min. limit £250, max. limit not specified.
£6800
29.9%
Discounts and exclusive offers for dining experiences, leisure activities and shopping available through HSBC Home and Away.
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
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Name Product Rating Finder score Customer rating Purchases Annual/monthly fees Initial credit limits Representative APR Incentive Link
British Airways American Express® Premium Plus Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
31%
£250 per annum
Min. limit £700, max. limit not specified.
113.1% APR (variable)
Earn 25,000 bonus Avios when you spend £3,000 in your first 3 months of Cardmembership. Terms apply. 18+, subject to status. New Cardmembers Only

Representative example: When you spend £1,200 at a purchase rate of 31.0% (variable) p.a. with a fee of £250 per annum, your representative rate is 113.1% APR (variable).
Check eligibility
British Airways American Express® Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
31%
£0
Min. limit £700, max. limit not specified.
31% APR (variable)
Earn 1 Avios for virtually every £1 spent. Spend £12K each year and get a travel companion voucher when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme. Avios value varies dependent on reward (min 1000pts for flights).
Representative example: When you spend £1,200 at a purchase rate of 31% (variable) p.a., your representative rate is 31% APR (variable).
Check eligibility
Virgin Money Virgin Atlantic Reward Plus Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
26.9%
£160 per annum
Min. limit not specified, max. limit not specified.
69.7% APR (variable)
Earn 15,000 bonus points with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend and 3 miles for every £1 spend with Virgin Atlantic and Virgin Holidays. Spend £10K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 69.7% APR (variable).
Virgin Money Virgin Atlantic Reward Credit Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
26.9%
£0
Min. limit not specified, max. limit not specified.
26.9% APR (variable)
Earn 0.75 Flying Club miles for every £1 spend and 1.5.miles for every £1 spend with Virgin Atlantic or Virgin Holidays. Spend £20K a year on your card and choose an extra benefit - an upgrade to Premium, or a Companion ticket. Points value varies dependent on reward (min 3000pts)
Representative example: When you spend £1,200 at a purchase rate of 26.9% (variable) p.a., your representative rate is 26.9% APR (variable).
Barclaycard Avios Plus Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
29.9%
£20 per month
Min. limit £50, max. limit not specified.
80.1% APR (variable)
Earn 25,000 Avios when £3,000 spent on card over the first 3 months of opening. Earn 1.5 Avios for every £1 you spend. Spend £10,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a. with a fee of £20 per month, your representative rate is 80.1% APR (variable).
Lloyds Bank World Elite Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
22.94%
£15 per month
Min. limit not specified, max. limit not specified.
55% APR (variable)
0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).
Halifax World Elite Mastercard
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
22.94%
£15 per month
Min. limit not specified, max. limit not specified.
55% APR (variable)
0.5% on £1 to £15000 of yearly spend. 1% after £15001 of yearly spend. Cashback paid Anniversary into Card Account. Maximum spend for cashback purposes is limited to credit limit.
Representative example: When you spend £1,200 at a purchase rate of 22.94% (variable) p.a. with a fee of £15 per month, your representative rate is 55% APR (variable).
Barclaycard Avios Card
Finder score
★★★★★
★★★★★
Expert analysis
★★★★★
User rating
29.9%
£0
Min. limit £50, max. limit not specified.
29.9% APR (variable)
Earn 5,000 Avios when £1,000 spent on card over the first 3 months of opening. Earn 1 Avios for every £1 you spend. Spend £20,000 or more during the year and receive a British Airways cabin upgrade voucher to use on an Avios Reward Flight booking, or 7000 bonus Avios. Avios value varies dependent on reward (min 1000pts for flights)
Representative example: When you spend £1,200 at a purchase rate of 29.9% (variable) p.a., your representative rate is 29.9% APR (variable).
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Will cancelling my Santander credit card affect my credit score?

Cancelling your Santander credit card does actually have the potential to affect your credit score.

Consider your overall “credit utilisation ratio” – that’s how much debt you have compared to how much credit is available to you. If you have a low utilisation ratio — say, 20% or less — and a solid credit score, closing your card won’t affect your score by much. But closing a card can increase your utilisation, which can in turn lower your credit score.

Signing up for another credit card could increase your overall available credit and lower your utilisation level. Note that a hard search of your credit record is part of taking on a new card and that will also have a slight (and usually short-lived) impact on your credit score.

If you just want to be shot of your card, so that you can’t slip into debt, then realistically that’s probably more important.

Finally, it’s worth considering that when you come to apply for credit in the future, you’ll need your credit file to show responsible use of credit. Not surprisingly, lenders want to see that you’re perfectly capable of borrowing money and then paying it back.

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