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  Banco Santander Puerto Rico Santander American Express® Standard Credit Card

Banco Santander Puerto Rico Santander American Express® Standard Credit Card

in Personal Credit Cards from Banco Santander

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Banco Santander Puerto Rico Santander American Express® Standard Credit Card

Unaffiliated

in Personal Credit Cards from Banco Santander

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Highlights
Purchase APR  (Variable APR) 9.95 - 25.95
Balance Transfer APR  (Variable APR) 9.95 - 25.95
Credit Score Range 600 - 850
Annual Fee $35

Banco Santander Puerto Rico Santander American Express® Standard Credit Card Review

This is a credit card issued by Banco Santander. If you're wondering whether Banco Santander Puerto Rico Santander American Express® Standard Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive APRs. Banco Santander Puerto Rico Santander American Express® Standard Credit Card has a variable purchase APR that ranges from 9.95% up to 25.95%.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 2% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, extended warranty protection on purchases, identity theft protection, purchase protection, travel accident insurance, and fraud protection.
  • Fair or better credit required. You will have good approval oods if your credit score is above600.
Pros & Cons of Banco Santander Puerto Rico Santander American Express® Standard Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty on purchases.
  • Identity Theft Protection.
  • Travel accident insurance.
  • Considers applicants with fair or poor credit.
  • Banco Santander Puerto Rico Santander American Express® Standard Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $35
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 2%.
  • You don't earn rewards on every purchase.
Banco Santander Puerto Rico Santander American Express® Standard Credit Card FAQ

Does Banco Santander Puerto Rico Santander American Express® Standard Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Banco Santander Puerto Rico Santander American Express® Standard Credit Card benefits?

It provides the following benefits:

  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Zero fraud liability
  • Travel Accident Insurance
  • Reports to major credit bureaus

What are the relevant APRs for Banco Santander Puerto Rico Santander American Express® Standard Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 Santander American Express® Standard Credit Card 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 Santander American Express® Standard Credit Card 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 Santander American Express® Standard Credit Card?

The following fees apply:

Banco Santander Puerto Rico Santander American Express® Standard Credit Card Fees
Fees Amount
Annual Fee $35
Foreign Transaction Fee 2%
Returned Payment Fee up to $10
Late Payment Fee up to $38

Does Banco Santander Puerto Rico Santander American Express® Standard Credit Card have a foreign transaction fee?

Banco Santander Puerto Rico Santander American Express® Standard Credit Card charges a foreign transaction fee of 2%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $40. 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 Santander American Express® Standard Credit Card?

The Banco Santander Puerto Rico Santander American Express® Standard Credit Card customer service number is .

What is the support contact email for Banco Santander Puerto Rico Santander American Express® Standard Credit Card?

The support contact email for Banco Santander Puerto Rico Santander American Express® Standard Credit Card is customerrelations@santander.us.

Does Banco Santander Puerto Rico Santander American Express® Standard Credit Card report your account activity to credit bureaus?

Yes, Banco Santander Puerto Rico Santander American Express® Standard Credit Card 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 Santander American Express® Standard Credit Card

  • Visit the Banco Santander Puerto Rico Santander American Express® Standard Credit Card 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday 6:00am - 10:00am
  • Monday 6:00am - 10:00am
  • Tuesday 6:00am - 10:00am
  • Wednesday 6:00am - 10:00am
  • Thursday 6:00am - 10:00am
  • Friday 6:00am - 10:00am
  • Saturday 6:00am - 10:00am

Other Services by Banco Santander

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Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 27 days
Cash Advance Fee Minimum 2
Cash Advance Fee (%) Starting at 2
Minimum Cash Advance Fee ($) 2 - 10
Foreign Currency Transaction Fee 2
Annual Fee $35
Returned Payment Fee Up to 10
Additional Card Fee Amount 10
Late Fee Amount Up to 38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Purchase Protection
  • Fraud Liability
  • Travel Accident Insurance
Rewards Type No Rewards
Cash Advance APR (Variable APR) 22.95 - 25.95
Penalty APR (Variable APR) 29.99
Purchase APR (Variable APR) 9.95 - 25.95
Balance Transfer APR (Variable APR) 9.95 - 25.95
Card Type
  • Travel
Card Network American Express

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