Santander BestCard Extra
Credit card with insurance package — free in the first year.
Score: 7.0 / 10 · Good
Rating: 8.2 / 10 · 1.130 reviews
Best for: Insurance coverage
Overview
The Santander BestCard Extra is a genuine credit card from Santander on the Visa network. Credit card with insurance package — free in the first year. The annual fee is €58.8 (free in the first year) and also waives the usual foreign currency fee abroad.
Who is it for?
The card is particularly suited to insurance coverage. Its strengths lie in payments in foreign currency, travellers who need insurance and mobile payments. It is issued without a German IBAN, so no additional checking account is strictly required. As a genuine credit card it offers a credit line (effective annual interest 16.43 %).
How the score is calculated
Overall score: 7.0 / 10 · Good
| Costs (30 %) | 5.3 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 3.4 / 10 |
| Interest (10 %) | 6.3 / 10 |
| Cashback & bonus (10 %) | 0.0 / 10 |
| Features (6 %) | 5.2 / 10 |
| Community signal (12 %) | 8.2 / 10 |
Highlights
- Free in the 1st year
- No foreign currency fee on payments
- Travel insurance included
- Flexible repayment
Costs & Fees
| Annual fee | 58,8 € |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | 16,43 % |
| Type | Credit card |
| Network | Visa |
| Issuer | Santander |
The annual fee is €58.8, with the first year free. You pay no surcharge abroad or in foreign currency. A fee of 3.95 % applies to cash worldwide. The effective annual interest rate is 16.43 % (for instalment payments). Billing: Monthly billing with optional installment (revolving) repayment.
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This card in our comparisons: Credit Cards With Insurance · Credit Cards With Instalments · Visa Credit Cards Compared · Credit Cards Without Foreign Transaction Fees Compared
Similar credit cards
- BBVA Credit Card Classic – Fee-free credit card with free worldwide withdrawals and a German IBAN.
- Deutschland-Kreditkarte Classic – Well-known free Visa credit card with no account requirement, recommended by Stiftung Warentest.
- Hanseatic Bank GenialCard – Popular fee-free credit card with free worldwide withdrawals.
- Easybank Credit Card – Flexible credit card with no account requirement — successor to the Barclays Visa.
Frequently asked questions
- What does the Santander BestCard Extra cost per year?
- The Santander BestCard Extra costs €58.8 per year; it is free in the first year.
- Does the Santander BestCard Extra charge foreign currency fees?
- No. With the Santander BestCard Extra you pay no foreign currency fee worldwide.
- Is the Santander BestCard Extra a genuine credit card?
- Yes, the Santander BestCard Extra is a genuine credit card with a credit line (effective annual interest 16.43 %).
- Does the Santander BestCard Extra include travel insurance?
- Yes, the Santander BestCard Extra includes travel insurance benefits. The provider specifies the exact scope in the terms.
- Does the Santander BestCard Extra require a SCHUFA check?
- Yes, Santander runs a SCHUFA credit check for the Santander BestCard Extra; a negative SCHUFA record can lead to rejection.
- How is money on the Santander BestCard Extra protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000. Additionally voluntary BdB deposit protection fund (up to €3 million for private customers, as of 2026). Santander Consumer Bank AG is a German credit institution headquartered in Mönchengladbach.