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  Banco Santander Puerto Rico Standard Visa Santander CashBack 3D

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D

in Personal Credit Cards from Banco Santander

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Banco Santander Puerto Rico Standard Visa Santander CashBack 3D

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in Personal Credit Cards from Banco Santander

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Highlights
Purchase APR  (Variable APR) 9.95 - 25.95
Balance Transfer APR  (Variable APR) 9.95 - 25.95
Credit Score Range 600 - 850
Annual Fee $24

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Review

This 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 review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 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.
Pros & Cons of Banco Santander Puerto Rico Standard Visa Santander CashBack 3D
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.
Banco Santander Puerto Rico Standard Visa Santander CashBack 3D FAQ

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

This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

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

Does Banco Santander Puerto Rico Standard Visa Santander CashBack 3D have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Banco Santander Puerto Rico Standard Visa Santander CashBack 3D offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

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

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It 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 Standard Visa Santander CashBack 3D have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 6 months.

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Balance Transfers
Description
Balance Transfer Introductory APR 0
Balance Transfer Intro APR Period 6 months
Balance Transfer APR 9.95 - 25.95
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 2

Does Banco Santander Puerto Rico Standard Visa Santander CashBack 3D have an intro APR offer on new purchases?

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D Purchase Intro Offer
Description
Introductory Rate 0
Purchase Intro APR Period 6 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 6 months.

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

The following fees apply:

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 have a foreign transaction fee?

Banco Santander Puerto Rico Standard Visa Santander CashBack 3D charges a foreign transaction fee of 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. 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 Standard Visa Santander CashBack 3D?

The Banco Santander Puerto Rico Standard Visa Santander CashBack 3D customer service number is .

What is the support contact email for Banco Santander Puerto Rico Standard Visa Santander CashBack 3D?

The support contact email for Banco Santander Puerto Rico Standard Visa Santander CashBack 3D is customerrelations@santander.us.

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.

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.

Contact

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

Other Services by Banco Santander

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Introductory Rate 0
Purchase Intro APR Period (Variable APR) 6 months
No Annual Fee First Year
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 1
Annual Fee $24
Returned Payment Fee Up to 10
Additional Card Fee Amount 12
Late Fee Amount Up to 38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Auto Rental Collision Damage Waiver
  • Extended Warranty Protection
  • Price Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
Rewards Categories
  • Every Purchase
Cash Advance APR (Variable APR) 22.95 - 25.95
Penalty APR (Variable APR) 29.99
Purchase APR (Variable APR) 9.95 - 25.95
Balance Transfer Introductory APR (Variable APR) 0
Balance Transfer Intro APR Period (Variable APR) 6 months
Balance Transfer APR (Variable APR) 9.95 - 25.95
Balance Transfer Fee Minimum 10
Balance Transfer Fee % 2
Card Type
  • Rewards
  • Cashback
Card Network Visa

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