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Santander® Ultimate Cash Back® Card

More rewards on every dollar you spend. This credit card rewards you as you’re enjoying life, so you can earn more cash back.

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Earn 3% cash back for the first 12 months*

0% introductory rate for the first 12 months*

No annual fees*

Card features & benefits

More cash back

  • Earn 3% cash back on qualified purchases for the first 12 months, up to $20,000. Thereafter, earn unlimited 1.5% cash back on qualified purchases.

More savings

  • 0% Introductory APR on qualified purchases for 12 months*
  • 0% Introductory APR on Balance Transfers for 12 months*
  • After 12 months your variable APR on purchases and balance transfers will be 20.01%-29.14%.*
  • The Balance Transfer fee is the greater of 3% of the amount transferred or $10.*

Fewer fees

  • No annual fees*
  • No foreign transaction fees*
  • No returned payment fees*
  • No cash advance fees*

More peace of mind

  • Bank safely and securely with Santander® PROTECHTION, providing digital controls for cards, alerts, and more
  • Instantly put your lost or stolen card on hold with Santander® Instant Card Hold
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Everyday convenience

Mobile and Online Banking with Santander® PROTECHTION gives you secure access to your accounts, so you can bank from anywhere. 

Digital security features: 
  • Santander® Instant Card Hold
  • Account activity alerts
  • Fraud protection1
Santander® Ultimate Cash Back® Card

Bank anywhere, anytime

Manage your account whenever and wherever you want with our Mobile Banking App.

Download our
Mobile Banking App

Unlock on-the-go features with our highly-rated Mobile Banking App.

4.7 star rating
4.7 out of 5 Rating. Based on 343k ratings on the app store as of 1/24/2024.

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Enroll in Santander
Online Banking

Manage your money securely by enrolling in Online Banking.

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FAQs: Credit Card

There are no restrictions on where you can earn cash back on new purchases.

Financial advice to reach your goals faster

Find Us
Branches across the Northeast and in Miami, Florida, plus 2,000+ ATMs.
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Are you a Santander Client

Log in to Online Banking for a more seamless experience.

*0% introductory Annual Percentage Rate (APR) for 12 billing cycles on Balance Transfers made within 90 days of opening your account and 0% Introductory APR for 12 billing cycles on Purchases. After the introductory period, a variable APR for Balance Transfers and Purchases from 20.01% to 29.14% based on the Prime Rate and your creditworthiness. Cash advance APR of 30.66%. Rates effective as of 08/01/2023. Rates are subject to change and may vary based on the Prime Rate in effect on the date of application. The Balance Transfer fee is the greater of 3% of the amount transferred or $10. There is no grace period on Balance Transfers because interest accrues from the date of the transaction. This means that, unless your Purchase APR is at an introductory or promotional 0% APR, you will pay interest on new Purchases from the date made if you do not pay all balances, including the promotional Balance Transfer, in full by the payment due date appearing on your statement. Balance Transfers may not be used to pay off or pay down any account issued by Santander Bank, N.A. Balance Transfers must be payable to another institution’s credit card balances that accept our electronic payments. Loss of any introductory or promotional rate, if any, may apply indefinitely to your account if you miss or make a late payment or otherwise default. There are no Annual, Cash Advance, Foreign Transaction, or Returned Payment fees. Finance charges still apply. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Payment Fee exceeding the Minimum Payment Due that is late. For the first 12 months after account opening, you earn 3% cash back on new net retail purchases (qualifying purchases less credits, returns, and adjustments) until you have spent $20,000 USD or equivalent. Otherwise, you earn 1.5% cash back on new net retail purchases. Cash back can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back cannot be earned on balance transfers, cash advances, purchases of money orders and other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized / fraudulent transactions, and certain other charges. Cash back balance does not expire for accounts in good standing. Other terms and conditions apply. Credit card accounts are subject to approval.

Santander® Instant Card Hold will block most types of transactions, including purchases made with your card. Please note that some types of transactions will continue to process, including recurring debit/credit transactions presented to us by certain merchants for monthly membership or subscription fees.

See Details of Rate, Fee, and Other Cost Information for Your Card Terms and Conditions for details.

§Rating by Apple App Store customers 4.7 out of 5 Rating. Based on 275k ratings on the app store as of January 19, 2022.

1Please refer to your Credit Card Agreement for details on your responsibility for promptly reporting unauthorized transactions.

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Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo and Ultimate Cash Back, Bravo, and Sphere are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. All other trademarks are the property of their respective owners.