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Banco Santander

Santander Iberia Empresas

Santander Iberia Empresas is a business credit card option for companies and self-employed professionals in Spain. It helps manage professional expenses while earning Avios or On Business Points that can be redeemed for travel with Iberia Group, British Airways, and American Airlines.

rewards, travel, businessBest for Spanish companies and autónomos with regular business expenses Businesses that want to earn travel rewards from card spending Teams that prefer Iberia-linked rewards for professional travel
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Santander Iberia Empresas

Highlights

Main benefits

  • Earn Avios or On Business Points on professional expenses
  • Redeem rewards for flights with Iberia Group, British Airways, and American Airlines
  • Available for companies and self-employed professionals
  • Two card options: Santander Iberia Business Card and Santander Iberia Icon Corporate Card
  • Useful for businesses with regular travel-related spending

Fees

Fees and charges

Joining fee

Not specified

Renewal fee

Not specified

Annual fee waiver

Not specified

Who can apply

Eligibility

  • Self-employed professional or company in Spain
  • Banco Santander business customer
  • Suitable business profile and credit approval
  • Valid participation in Iberia Club or On Business rewards setup where applicable

Checklist

Documents required

  • Business identification or company registration details
  • Tax identification details
  • Identity document of the applicant or authorised representative
  • Business banking and financial information
  • Additional documents requested by Banco Santander

Process

How to apply

1. Visit the Banco Santander Santander Iberia Empresas product page

2. Choose the business card option that matches your company or autónomo needs

3. Contact Banco Santander or start the application through the business banking channel

4. Provide business, identity, and financial documents

5. Complete approval and card activation through Banco Santander

Value

Reward and cashback structure

Reward rate

Santander Iberia Business Card: 1 Avios per €5 spent on purchases

Santander Iberia Icon Corporate Card: 1 Avios per €3 spent on purchases

Option to earn Avios or On Business Points on professional expenses

Cashback

Not available

Rewards are focused on Avios or On Business Points instead of cashback

Good fit

Pros

  • Strong fit for business travel spending
  • Rewards can be linked to Iberia travel value
  • Backed by a major Spanish bank
  • Suitable for both companies and autónomos
  • Clear Avios earning structure on listed card variants

Watchouts

Cons

  • Not a cashback-focused business card
  • Joining fee is not clearly listed publicly
  • Renewal fee is not clearly listed publicly
  • Lounge access is not clearly listed publicly
  • Best value depends on using Avios or On Business Points

Apply for this card

Apply now or check the details from bank source.

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Compare

Compare Cards

FieldSantander Iberia EmpresasBBVA Negocios Crédito
Bank/providerBanco SantanderBBVA
Joining feeNot specified€0 first year
Renewal feeNot specified€48 from the second year
Best for
  • Spanish companies and autónomos with regular business expenses
  • Businesses that want to earn travel rewards from card spending
  • Teams that prefer Iberia-linked rewards for professional travel
  • Spanish businesses and autónomos managing professional expenses
  • Companies that want flexible repayment for business purchases
  • Businesses with fuel spending at Repsol, Campsa and Petronor stations
Reward rate
  • Santander Iberia Business Card: 1 Avios per €5 spent on purchases
  • Santander Iberia Icon Corporate Card: 1 Avios per €3 spent on purchases
  • Option to earn Avios or On Business Points on professional expenses
  • 2% fuel discount at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra
  • Up to 5% fuel discount on selected Repsol fuels during eligible promotional periods
  • No standard points rewards rate specified
Cashback
  • Not available
  • Rewards are focused on Avios or On Business Points instead of cashback
  • Not available
  • Value is mainly through fuel discounts rather than cashback
Lounge accessNot specifiedNot specified
Fuel surcharge waiverNot available
  • 2% fuel discount at Repsol, Campsa and Petronor service stations in the Solred network in Spain and Andorra
  • Up to 5% fuel discount on selected Repsol fuels during eligible promotional periods
Welcome benefitNot specifiedNot specified
Annual fee waiver conditionNot specified
  • Renewal fee waived when annual card purchases exceed €1,500
  • Fee savings may also depend on the linked BBVA account and customer relationship
Eligibility
  • Self-employed professional or company in Spain
  • Banco Santander business customer
  • Suitable business profile and credit approval
  • Company or self-employed professional in Spain
  • BBVA business customer
  • Suitable business profile and credit approval by BBVA
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