Last Updated: 04/18/2025
Banco Santander Puerto Rico Santander ZeroCard MasterCard
Unaffiliated
from Banco Santander
Last Updated: 04/18/2025
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Highlights
Purchase APR (Variable APR)
10.95% - 25.95%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
10.95% - 25.95%(Verified 06/21/2024)
Disclaimer popup with additional information
Credit Score Range
600 - 850
Annual Fee
$0
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
- APRs: Banco Santander Puerto Rico Santander ZeroCard MasterCard has a variable regular 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Banco Santander Puerto Rico Santander ZeroCard MasterCard
| The Good | The Bad |
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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.
| Description |
- 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 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 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.Does Banco Santander Puerto Rico Santander ZeroCard MasterCard 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 ZeroCard MasterCard 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 ZeroCard MasterCard?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the support contact email for Banco Santander Puerto Rico Santander ZeroCard MasterCard?
The support contact email for Banco Santander Puerto Rico Santander ZeroCard MasterCard is customerrelations@santander.us.
How do people rate the customer service and user experience of Banco Santander Puerto Rico Santander ZeroCard MasterCard?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Banco Santander Puerto Rico Santander ZeroCard MasterCard report your account activity to credit bureaus?
Yes, Banco Santander Puerto Rico Santander ZeroCard MasterCard 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 Santander ZeroCard MasterCard 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 Santander ZeroCard MasterCard
- Visit the website of Banco Santander Puerto Rico Santander ZeroCard MasterCard.
- 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.
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
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Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$45
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$175
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$55
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$35
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
22.95%
Disclaimer popup with additional information
Balance Transfer APR
22.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$16
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$24
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
350 - 600
300
850
Annual Fee
$24
Rating not yet determined
Purchase APR
9.95% - 25.95%
Disclaimer popup with additional information
Balance Transfer APR
9.95% - 25.95%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$50
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Learn MoreSuperMoney Net Recommendation Score
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Banco Santander Puerto Rico Santander ZeroCard MasterCard Community Reviews
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