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Make managing your business easier with our credit card1 and enjoy greater control, benefits and security.
No issuance or annual fee
No card issuance or annual maintenance fee.
Comission-free cash withdrawals
In addition to paying by credit in shops, you can make comission-free debit cash withdrawals at Santander ATMs in Spain.
Travel with added peace of mind
No fees on purchases made in currencies other than the euro2 when you travel.
A card tailored to you
Earn 1% cashback on all your purchases for one year3
Earn cashback on purchases with your favourite brands through Santander Premia4.
- Apply by 31/01/2027 and earn up to €10 net per month3, meaning you could earn up to €120 over the course of a year.
- Continue enjoying even more cashback, discounts and promotions when you pay with your card through Santander Premia4 and Plan Santander Iberia Club5.
Stay in control of your spending
Keep your business and personal expenses separate
Manage your day-to-day payments with greater ease. With your business credit card, purchases are not charged to your account immediately, giving you time to review your transactions and better manage your cash flow.
- You can pay for your purchases interest-free (0% APR):
- At the end of the month.
- Or on any day before the end of the month, if you prefer. Simply use the Card Payment option in the Santander App. This option is only available if you have the end-of-month payment plan.
- Keep your business expenses separate from your personal spending and track recurring costs such as supplies, travel, subscriptions and utilities more easily. A simpler way to stay on top of your business finances.
Security and peace of mind
Greater protection for your purchases—and your money too.
- If you spot a purchase you don't recognise, you can instantly block your card and request chargeback before the money leaves your current account.
- If you've made an online purchase and your order never arrives, we’ll help you dispute the transaction before the money leaves your current account.
Join the thousands of customers who already pay smarter
Get your Santander Business Credit Card today.
Choose how to pay for your purchases
You say when: before, during or after you buy
Full monthly payment
Pay in full during the first few days of the following month with no interest due (0% APR).Your card will be issued with this payment option, although you can change it whenever you wish.
Fixed payment (revolving credit)
You can also choose this option. The monthly payment will be at least 3% of the outstanding balance, subject to a minimum payment of €25 and thereafter in multiples of this amount (18% NIR. 19,56% APR)6.
Percentage payment (revolving credit)
You choose how much to pay. Your monthly payment is calculated by applying a percentage to the outstanding balance (starting at 3% of the outstanding balance, subject to a minimum payment of €25), with the remaining balance carried over to the following month (18% NIR. 19,56% APR)6.
Freedom to pay without your physical card
Paying with your phone or smartwatch is convenient and secure—no need to take your wallet out to make a purchase.
How do I get my card?
100% online. No paperwork. Ready within minutes.
2
Apply for your card
Request it through the Santander App or Online Banking under “Request a Card”.
3
Activate it in the App
Activate it in the App
Transparency without the small print
1. Issuance of the credit card is subject to prior approval by the Bank. This is a revolving credit card. Remember to use your credit card responsibly. Overreliance on credit carries a risk of over-indebtedness, with long-term consequences that could affect your financial planning.
2. Simply select the local currency at the card terminal and the corresponding exchange rate to euros will be applied.
3. Cashback is paid after applicable tax withholding in accordance with current regulations. Maximum cashback: €10 net per month. Promotion valid through 31/01/2027 for customers applying for a Santander Credit Card for the first time through the App or website. Click here to view the terms and conditions of the promotion.
4. Click here to view the terms and conditions of Santander Premia. To be eligible for Santander Premia, you must hold a Santander Account, Colectivos Account or Mundo Account. Customers who hold only an Online Account with the Bank are not eligible.
5. The Plan costs €5/month. It has a minimum term of two (2) months.
6. Representative example: 18% NIR; 19.56% APR, assuming a credit balance of €1,500 and no card issuance or annual maintenance fee. Based on the minimum repayment limits set out in the contract (3% of the outstanding balance, subject to a minimum payment of €25), the total amount owed would be €1,835.19, repayable over 27 monthly instalments of €67.97. Calculations based on a repayment system of equal instalments.
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