Last Updated: 07/28/2025
Banco Santander Puerto Rico AMEX Credit Card
Unaffiliated
in Credit Cards from Banco Santander
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
9.95% - 25.95%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
9.95% - 25.95%(Verified 06/21/2024)
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Credit Score Range
600 - 850
Annual Fee
$175
Banco Santander Puerto Rico AMEX Credit Card Review
This is a rewards 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
- APRs: Banco Santander Puerto Rico AMEX Credit Card has a variable regular purchase APR that ranges from 9.95% up to 25.95%.
- A 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 up to 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, access to a concierge, extended warranty protection on purchases, identity theft protection, purchase security, travel accident insurance, travel assistance, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Banco Santander Puerto Rico AMEX Credit Card
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Banco Santander Puerto Rico AMEX Credit Card FAQ
Does Banco Santander Puerto Rico AMEX Credit Card have a cash back or rewards program?
Banco Santander Puerto Rico AMEX Credit Card is a rewards card.
| Description |
Does Banco Santander Puerto Rico AMEX Credit Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Banco Santander Puerto Rico AMEX Credit Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Banco Santander Puerto Rico AMEX Credit Card benefits?
Banco Santander Puerto Rico AMEX Credit Card provides the following benefits:
- Auto Rental Collision Damage Waiver
- 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 AMEX Credit Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $175 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $2 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $175.
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 up to 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 customer service number for Banco Santander Puerto Rico AMEX Credit Card 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 login page for Banco Santander Puerto Rico AMEX Credit Card?
You can access the login page of Banco Santander Puerto Rico AMEX Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Banco Santander perform a hard credit pull?
Yes, Banco Santander Puerto Rico AMEX Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Banco Santander Puerto Rico AMEX Credit Card
- Visit the website of Banco Santander Puerto Rico AMEX Credit Card.
- 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.
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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