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  Santander® Ultimate Cash Back® Card
Santander® Ultimate Cash Back® Card
in Personal Credit Cards from Santander Bank
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Santander® Ultimate Cash Back® Card

Unaffiliated
in Personal Credit Cards from Santander Bank
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Highlights
Purchase APR  (Variable APR) 14.94% - 24.07%
Balance Transfer APR  (Variable APR) 14.94% - 24.07%
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. 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 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 up to 12 months.
  • Competitive APRs. Santander® Ultimate Cash Back® Card has a variable 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.
  • 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 your credit score is above 650.
Pros & Cons of Santander Ultimate Cash Back Card
The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 12 months.
  • 0% APR on new purchases during the first 12 months.
  • No annual fee.
  • Identity Theft Protection.
  • No foreign transaction fee.
  • Cardholders can earn rewards on their purchases.
  • Santander® Ultimate Cash Back® Card reports to multiple credit bureaus.
  • Does not offer a signup bonus.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
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.

Santander Ultimate Cash Back Card Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A

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?

It 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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 up to 12 months.

Santander® Ultimate Cash Back® Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 12 months
Balance Transfer APR 14.94% - 24.07%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%

Does Santander Ultimate Cash Back Card have an intro APR offer on new purchases?

Santander® Ultimate Cash Back® Card Purchase Intro Offer
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 up to 12 months.

What are the fees for Santander Ultimate Cash Back Card?

The following fees apply:

Santander Ultimate Cash Back Card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 0%
Returned Payment Fee $0
Late Payment Fee $35

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

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 Santander Ultimate Cash Back Card customer service number 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.

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 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 Santander Ultimate Cash Back Card

  • Visit the Santander Ultimate Cash Back Card 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 8:00am - 8:00pm
  • Monday 8:00am - 8:00pm
  • Tuesday 8:00am - 8:00pm
  • Wednesday 8:00am - 8:00pm
  • Thursday 8:00am - 8:00pm
  • Friday 8:00am - 8:00pm
  • Saturday 8:00am - 8:00pm

Other Services by Santander Bank

Availability

  Available in 9 states
  • Connecticut
  • Delaware
  • Florida
  • Massachusetts
  • New Hampshire
  • New Jersey
  • New York
  • Pennsylvania
  • Rhode Island

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 12 months
Cash Advance Fee Minimum $0
Cash Advance Fee (%) 0%
Minimum Cash Advance Fee ($) $0
Foreign Currency Transaction Fee 0%
No Annual Fee
No Foreign Transaction Fee
Annual Fee $0
No Interest Grace Period for Late Payment 21 days
Returned Payment Fee $0
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
  • Tax Returns
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 650 -
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Cash Advance APR (Variable APR) 25.59%
Purchase APR (Variable APR) 14.94% - 24.07%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 12 months
Balance Transfer APR (Variable APR) 14.94% - 24.07%
Balance Transfer Fee Minimum $10
Balance Transfer Fee % 3%
Card Type
  • Rewards
  • Cashback
Card Network Mastercard

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