Banco Santander Puerto Rico AMEX Credit Card
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| Purchase APR (Variable APR) | 9.95 - 25.95 |
| Balance Transfer APR (Variable APR) | 9.95 - 25.95 |
| Credit Score Range | 600 - 850 |
| Annual Fee | $55 |
Banco Santander Puerto Rico AMEX Credit Card Review
This is a credit 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. This review will provide you with with all the details you need to make a good choice.
- Competitive APRs. Banco Santander Puerto Rico AMEX Credit Card has a variable purchase APR that ranges from 9.95% up to 25.95%.
- 2% Balance transfer fee. Banco Santander Puerto Rico AMEX Credit Card 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 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 odds if your credit score is above 600.
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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:
| Fees | Amount |
|---|---|
| Annual Fee | $55 |
| Foreign Transaction Fee | 2% |
| Returned Payment Fee | up to $10 |
| Late Payment Fee | up to $38 |
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 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.
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.
Contact
- Headquarters
-
824 North Market Street
Suite 100
Wilmington, DE 19801 - Visit Site
- Email Support
Other Services by Banco Santander
Availability
- 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 | $55 |
| Returned Payment Fee | Up to 10 |
| Additional Card Fee Amount | 15 |
| Late Fee Amount | Up to 38 |
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