SuperMoney
  Banco Santander Puerto Rico AMEX Credit Card
Banco Santander Puerto Rico AMEX Credit Card Unaffiliated

Banco Santander Puerto Rico AMEX Credit Card

Unaffiliated
Not enough votes for recommendation

Not enough votes for recommendation

Cast your vote

Would you recommend Banco Santander Puerto Rico AMEX Credit Card to your friends?

Thanks for your vote!

You voted: May or may not recommend

Highlights
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 $35

Banco Santander Puerto Rico AMEX Credit Card Review

This is a card issued by Banco Santander. If you're wondering whether Banco Santander Puerto Rico AMEX Credit Card is the right card for you, read on.

Key Takeaways

  • Competitive APRs. Banco Santander Puerto Rico AMEX 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 Auto Rental Collision Damage Waiver, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, 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 AMEX Credit Card

The Good The Bad
  • Potentially 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 credit.
  • Banco Santander Puerto Rico AMEX 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 AMEX Credit Card FAQ

Does Banco Santander Puerto Rico AMEX Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Banco Santander Puerto Rico AMEX 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 AMEX 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. This card has lower than average regular APRs.

Banco Santander Puerto Rico AMEX Credit Card 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 AMEX 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 AMEX 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 AMEX Credit Card?

The following fees apply:

Banco Santander Puerto Rico AMEX Credit Card Fees
Fees Amount
Annual Fee $35
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 2%
Returned Payment Fee Starting at $ up to $10
Late Payment Fee Starting at up to $38

This card charges a $35 annual fee.

Does Banco Santander Puerto Rico AMEX Credit Card have a foreign transaction fee?

Banco Santander Puerto Rico AMEX 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 AMEX Credit Card?

The Banco Santander Puerto Rico AMEX Credit Card customer service number is .

What is the support contact email for Banco Santander Puerto Rico AMEX Credit Card?

The support contact email for Banco Santander Puerto Rico AMEX Credit Card is customerrelations@santander.us.

What is the Banco Santander Puerto Rico AMEX Credit Card login page?

You can access the Banco Santander Puerto Rico AMEX Credit Card login page here.

How do people rate the customer service and user experience of Banco Santander Puerto Rico AMEX Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Banco Santander Puerto Rico AMEX Credit Card report your account activity to credit bureaus?

Yes, Banco Santander Puerto Rico AMEX 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 AMEX Credit Card

  • Visit the Banco Santander Puerto Rico AMEX 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

Icon for Credit Cards
View all credit cards offered by Banco Santander

Other Credit Cards by Banco Santander

Loading...

Availability

  Available in 50 states and Washington, D.C.
  • 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 2
Annual Fee $35
No Interest Grace Period for Late Payment 27 days
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)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
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
APR Type Variable APR
Penalty APR (Variable APR) 29.99
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)
Card Type
  • Travel
Card Network American Express

Be the first to rate

 

Would you recommend Banco Santander Puerto Rico AMEX Credit Card to your friends?

Before we publish your vote:

Please explain your vote by sharing your experience.

Writing a review increases the credibility of your vote and helps your fellow users make a better-informed decision.

Please write a review to submit your vote
(will require moderator approval)

Other Credit Cards