Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Review

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D is a cashback credit card issued by Banco Santander. If you're wondering whether Banco Santander Puerto Rico Standard Visa Santander CashBack 3D is the right card for you, read on. This is everything you need to know to make a good choice.

• 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 6 months , which is shorter than the average 0% APR period of 12 months.
• 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
• Competitive APRs. Banco Santander Puerto Rico Standard Visa Santander CashBack 3D has a variable purchase APR that ranges from 9.95% up to 25.95%.
• Annual fee waived the first year. Banco Santander Puerto Rico Standard Visa Santander CashBack 3D gives you the chance to have the card for a year without paying the $24 annual fee.
• 2% Balance transfer fee. Banco Santander Puerto Rico Standard Visa Santander CashBack 3D 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 $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 1% every time you make a transaction outside the U.S.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, and fraud protection.
• Fair or better credit required. You will have good approval oods if your credit score is above600.

The Good

The Bad

You will accumulate 1% CashBack on net purchases of goods and services made with the card. Introductory offer of 2% CashBack on all net purchases for the first 6 months. Lower than average purchase APRs. 0% APR balance transfer intro rate on balance transfers for up to 6 months. 0% APR on new purchases during the first 6 months. Annual fee waived during the first year. Multiple credit card perks. Offers auto rental collision damage waiver. Extended warranty and price protection on purchases. Identity Theft Protection. Considers applicants with fair or poor credit. Cardholders can earn rewards on purchases everywhere Banco Santander Puerto Rico Standard Visa Santander CashBack 3D is accepted. Banco Santander Puerto Rico Standard Visa Santander CashBack 3D reports to multiple credit bureaus.

Charges an annual fee of $24 Does not offer a signup bonus. Charges a foreign transaction fee of 1%. Charges a 2% balance transfer fee.

Is there a Banco Santander Puerto Rico Standard Visa Santander CashBack 3D cash back or rewards program?

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D is a cashback card. This means you earn a percentage of your purchase as a cash reward.

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A

What are the Banco Santander Puerto Rico Standard Visa Santander CashBack 3D benefits?

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Extended Warranty Protection
• Zero fraud liability
• Price Protection
• Reports to major credit bureaus

What are the relevant APRs for Banco Santander Puerto Rico Standard Visa Santander CashBack 3D?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Banco Santander Puerto Rico Standard Visa Santander CashBack 3D has lower than average purchase APRs.

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D 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.

What are the fees for Banco Santander Puerto Rico Standard Visa Santander CashBack 3D?

The following fees apply to Banco Santander Puerto Rico Standard Visa Santander CashBack 3D:

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Fees

Fees	Amount
Annual Fee	$24
Foreign Transaction Fee	1%
Returned Payment Fee	up to $10
Late Payment Fee	up to $38

Does Banco Santander Puerto Rico Standard Visa Santander CashBack 3D report your account activity to credit bureaus?

Yes, Banco Santander Puerto Rico Standard Visa Santander CashBack 3D 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 Standard Visa Santander CashBack 3D

• Visit the Banco Santander Puerto Rico Standard Visa Santander CashBack 3D 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.