Business Credit Cards
Keep business and personal spending separate
A Santander business credit card helps you manage cash flow, track expenses, and earn rewards on your spending. With competitive rates and flexible limits, it's the ideal tool for day‑to‑day purchases and larger investments.
Key features
- Up to 56 days interest‑free on purchases (if you pay your balance in full each month)
- No annual fee for the first year, then a low annual fee (subject to card type)
- Online account management – view transactions, make payments, and set spending limits for employees
- Contactless & mobile wallet – fast, secure payments
- Rewards – earn cashback or points on eligible spending (terms apply)
Choose the right card for your business
- Santander Business Credit Card – no annual fee in year one, representative 19.9% APR (variable). Ideal for everyday spending.
- Santander Business Rewards Credit Card – earn 1% cashback on all spending (up to a maximum per year). Annual fee applies after the first year.
- Santander Business Purchase Credit Card – 0% interest on purchases for up to 18 months (introductory offer), then a competitive rate.
Eligibility
- Your business must be registered in the CH
- You must be a director or partner aged 18 or over
- A good credit history for both you and your business
- You may need a Santander business current account (depending on the card)
Credit is subject to status. Terms and conditions apply.
Representative example
Representative 19.9% APR variable. Based on a credit limit of CHF 1,200 and a purchase rate of 19.9% p.a. (variable). The interest‑free period on purchases is up to 56 days if you pay your balance in full each month.
Apply online in minutes and get a decision quickly.