Last Updated: 07/28/2025
Santander® Ultimate Cash Back® Card
Unaffiliated
in Credit Cards from Santander Bank
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.94% - 24.07%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.94% - 24.07%(Verified 06/21/2024)
Credit Score Range
Starting at 650
Annual Fee
$0
Santander® Ultimate Cash Back® Card Review
This is a cashback credit card issued by Santander Bank. If you're wondering whether Santander® Ultimate Cash Back® Card is the right card for you, read on.
Key Takeaways
- 0% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 12 months, which is the average period for 0% APR balance transfer cards.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 12 months.
- APRs: Santander® Ultimate Cash Back® Card has a variable regular purchase APR that ranges from 14.94% up to 24.07%.
- No annual fee. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
- A 3% balance transfer fee. Santander® Ultimate Cash Back® Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $10.
- 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.
- Fair or better credit required. You will have good approval odds if you have a fair credit score or better.
Pros & Cons of Santander Ultimate Cash Back Card
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Santander Ultimate Cash Back Card FAQ
Does Santander Ultimate Cash Back Card 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.
| Description |
Does Santander Ultimate Cash Back Card have a signup bonus?
This card doesn't offer a cash signup bonus.Does Santander Ultimate Cash Back Card offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Santander Ultimate Cash Back Card benefits?
Santander® Ultimate Cash Back® Card provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Santander Ultimate Cash Back 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.Santander® Ultimate Cash Back® Card has a variable purchase APR that ranges from 14.94% up to 24.07%. The card has a variable balance transfer APR that ranges from 14.94% up to 24.07%. It also has a variable cash advance APR of 25.59% .
Does Santander Ultimate Cash Back Card have an intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 12 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 14.94% - 24.07% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Santander Ultimate Cash Back Card have an intro APR offer on new purchases?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Introductory Rate | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Purchase Intro APR Period | 12 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does offer an intro APR rate of 0% on qualified purchases for a period of 12 months.
What are the fees for Santander Ultimate Cash Back Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
There is a late fee of up to $35 . Does Santander Ultimate Cash Back Card 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 customer service phone number for Santander Ultimate Cash Back Card?
The customer service number for Santander Ultimate Cash Back Card is (877) 768-2265.
What is the support contact email for Santander Ultimate Cash Back Card?
The support contact email for Santander Ultimate Cash Back Card is customerrelations@santander.us.
What is the login page for Santander Ultimate Cash Back Card?
You can access the login page of Santander Ultimate Cash Back Card here.
How do people rate the customer service and user experience of Santander Ultimate Cash Back Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Santander® Ultimate Cash Back® Card report your account activity to credit bureaus?
Yes, Santander® Ultimate Cash Back® 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 Santander Bank perform a hard credit pull?
Yes, Santander Ultimate Cash Back 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 Santander Ultimate Cash Back Card
- Visit the website of Santander Ultimate Cash Back 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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Contact
Headquarters
75 State St
Boston, MA 02109
Hours of Operation
Sunday
8:00AM - 8:00PM
Monday
8:00AM - 8:00PM
Tuesday
8:00AM - 8:00PM
Wednesday
8:00AM - 8:00PM
Thursday
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Friday
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Saturday
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