Banco Santander Puerto Rico Santander ZeroCard MasterCard

Banco Santander Puerto Rico Santander ZeroCard MasterCard Review

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

Key Takeaways

• Competitive APRs. Banco Santander Puerto Rico Santander ZeroCard MasterCard has a variable purchase APR that ranges from 10.95% up to 25.95%.
• No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
• No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
• Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft 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.

Pros & Cons of Banco Santander Puerto Rico Santander ZeroCard MasterCard

The Good	The Bad
Potentially lower than average purchase APRs. No annual fee. Multiple credit card perks. Identity Theft Protection. Travel accident insurance. Considers applicants with fair credit. No foreign transaction fee. Banco Santander Puerto Rico Santander ZeroCard MasterCard reports to multiple credit bureaus.	Does not offer a signup bonus. Does not offer rewards or cash back. You don't earn rewards on every purchase.

Banco Santander Puerto Rico Santander ZeroCard MasterCard FAQ

Does Banco Santander Puerto Rico Santander ZeroCard MasterCard have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Banco Santander Puerto Rico Santander ZeroCard MasterCard benefits?

It provides the following benefits:

• Emergency Support
• Zero fraud liability
• Travel Accident Insurance
• Reports to major credit bureaus

What are the relevant APRs for Banco Santander Puerto Rico Santander ZeroCard MasterCard?

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 Santander ZeroCard MasterCard has a variable purchase APR that ranges from 10.95% up to 25.95%. The card has a variable balance transfer APR that ranges from 10.95% 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 28.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

What are the fees for Banco Santander Puerto Rico Santander ZeroCard MasterCard?

The following fees apply:

Banco Santander Puerto Rico Santander ZeroCard MasterCard Fees

Fees	Amount
Annual Fee	$0
Overlimit Fee	$
Initial Program Fee	$
Foreign Transaction Fee	0%
Returned Payment Fee	Starting at $ up to $10
Late Payment Fee	Starting at up to $38

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Banco Santander Puerto Rico Santander ZeroCard MasterCard report your account activity to credit bureaus?

Yes, Banco Santander Puerto Rico Santander ZeroCard MasterCard 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 ZeroCard MasterCard

• Visit the Banco Santander Puerto Rico Santander ZeroCard MasterCard 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.