Santander Credit Cards Compared 2026
Santander – operating in Germany as Openbank Deutschland AG since 2026, the BestCards are now called Openbank BestCard – is an internationally active bank with a large retail business that offers, among other things, credit cards for everyday use and travel in Germany. The individual cards differ in fee model, benefits and primary use case. Anyone considering a Santander card should pay particular attention to the annual fee, the conditions abroad and possible extras. This comparison presents the available Santander cards with their respective conditions side by side.
Who is it for?
For users seeking a card from an established bank for everyday use and travel who want to compare the specific conditions.
What to look out for
- Annual fee and fee model
- Conditions for payments and withdrawals abroad
- Included extras and insurance
- Card type (credit, debit or prepaid function)
- Repayment and billing terms
At a glance
- Cards compared: 5
- Issuers: 2
- Card types: 5 credit cards with revolving option
- No annual fee: 2 of 5; otherwise €24 to €118.80 per year
- No foreign transaction fee: 3 of 5; otherwise 1.5% to 1.85%
- With revolving credit option: 5 of 5; APR 16.72% to 18.25%
- With travel insurance: 2 of 5
- No SCHUFA check: 0 of 5
Calculated automatically from the current card data in this comparison.
Recommendations compared
- Openbank BestCard Smart – Shopping credit card from Openbank (formerly Santander) – no foreign currency fee, with purchase protection and 4 free withdrawals per month. Score: 8.1/10 (Very good) · Annual fee: €24 · Bonus: — · Rating: 8.2/10
- Openbank BestCard Extra – Credit card with insurance package and 6 free withdrawals abroad per month. Score: 7.6/10 (Good) · Annual fee: €58.80 · Bonus: — · Rating: 8.2/10
- Openbank BestCard Premium – Premium card with extensive insurance and 8 free withdrawals worldwide per month. Score: 7.2/10 (Good) · Annual fee: €118.80 · Bonus: — · Rating: 8.0/10
- Amazon Visa – Credit card for Amazon fans – 1 point per euro at Amazon, instalments available. Score: 7.1/10 (Good) · Annual fee: €0 · Bonus: — · Rating: 6.6/10
- Openbank BestCard Basic – Free credit card from Openbank (formerly Santander) – instalments preset, full payment selectable. Score: 7.0/10 (Fair) · Annual fee: €0 · Bonus: — · Rating: 8.2/10
All information without guarantee (continuously updated). Conditions may change – the provider's details are always decisive.
Related guides: Types of credit cards in Germany explained · Credit card fees and how to avoid them
Frequently asked questions
- Which credit cards does Santander offer?
- Santander offers several credit cards with different fees and benefits. Currently included in our comparison: Openbank BestCard Smart, Openbank BestCard Extra, Openbank BestCard Premium, Amazon Visa and Openbank BestCard Basic. The conditions of each card are shown in the overview on this page.
- What should I look out for with Santander cards?
- Pay attention to the annual fee, the conditions for use abroad and included extras. Also check the repayment and billing terms of each card.
Which card suits you best?
Use your personal usage profile to calculate the real annual cost of every card.
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