Banco Santander Puerto Rico MasterCard Gold
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| Purchase APR (Variable APR) |
9.95% - 25.95% (Verified 08/04/2023) |
| Balance Transfer APR (Variable APR) |
9.95% - 25.95% (Verified 08/04/2023) |
| Credit Score Range | 600 - 850 |
| Annual Fee | $45 |
Banco Santander Puerto Rico MasterCard Gold Review
This is a card issued by Banco Santander. If you're wondering whether Banco Santander Puerto Rico MasterCard Gold is the right card for you, read on.
Key Takeaways
- Competitive APRs. Banco Santander Puerto Rico MasterCard Gold has a variable purchase APR that ranges from 9.95% up to 25.95%.
- 2% Balance transfer fee. Banco Santander Puerto Rico MasterCard Gold charges a fee of 2% on balance transfers. For example, a balance of $1,000 could cost $20 in transfer fees. The minimum fee is $2.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
- Multiple credit card benefits. Includes generous credit card perks, such as Auto Rental Collision Damage Waiver, emergency support, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Banco Santander Puerto Rico MasterCard Gold
| The Good | The Bad |
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Banco Santander Puerto Rico MasterCard Gold FAQ
Does Banco Santander Puerto Rico MasterCard Gold have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Banco Santander Puerto Rico MasterCard Gold benefits?
It provides the following benefits:
- Auto Rental Collision Damage Waiver
- Emergency Support
- Extended Warranty Protection
- Zero fraud liability
- Travel Accident Insurance
- Travel Assistance
- Reports to major credit bureaus
What are the relevant APRs for Banco Santander Puerto Rico MasterCard Gold?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.Banco Santander Puerto Rico MasterCard Gold has a variable purchase APR that ranges from 9.95% up to 25.95%. The card has a variable balance transfer APR that ranges from 9.95% up to 25.95%. It also has a variable cash advance APR that ranges from 22.95% up to 25.95%. Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Banco Santander Puerto Rico MasterCard Gold have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Banco Santander Puerto Rico MasterCard Gold have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Banco Santander Puerto Rico MasterCard Gold?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $45 |
| Overlimit Fee | $ |
| Initial Program Fee | $ |
| Foreign Transaction Fee | 1% |
| Returned Payment Fee | Starting at $ up to $10 |
| Late Payment Fee | Starting at up to $38 |
This card charges a $45 annual fee.
Does Banco Santander Puerto Rico MasterCard Gold have a foreign transaction fee?
Banco Santander Puerto Rico MasterCard Gold charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Banco Santander Puerto Rico MasterCard Gold?
The Banco Santander Puerto Rico MasterCard Gold customer service number is .
What is the support contact email for Banco Santander Puerto Rico MasterCard Gold?
The support contact email for Banco Santander Puerto Rico MasterCard Gold is customerrelations@santander.us.
What is the Banco Santander Puerto Rico MasterCard Gold login page?
You can access the Banco Santander Puerto Rico MasterCard Gold login page here.
How do people rate the customer service and user experience of Banco Santander Puerto Rico MasterCard Gold?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Banco Santander Puerto Rico MasterCard Gold report your account activity to credit bureaus?
Yes, Banco Santander Puerto Rico MasterCard Gold reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Banco Santander Puerto Rico MasterCard Gold
- Visit the Banco Santander Puerto Rico MasterCard Gold website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
824 North Market Street
Suite 100
Wilmington, DE 19801 USA - Visit Site
- Email Support
Other Services by Banco Santander
Other Credit Cards by Banco Santander
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $2 |
| Cash Advance Fee (%) | Starting at 2% |
| Minimum Cash Advance Fee ($) | $2 - $10 |
| Foreign Currency Transaction Fee | 1% |
| Annual Fee | $45 |
| No Interest Grace Period for Late Payment | 27 days |
| Returned Payment Fee | Up to $10 |
| Additional Card Fee Amount | $15 |
| Late Fee Amount | Up to $38 |
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