¹Cash Back Program: For the first 12 months after account opening, 3% cash back is earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) up to $20,000 USD or equivalent. Thereafter, 1.5% unlimited cash back applies. Cash back cannot be earned on Balance Transfers, cash advances, fees, interest charges, purchases of money orders or other cash equivalents, purchases made by or for a business, or unauthorized/fraudulent transactions. Cash back can be redeemed for statement credits or electronic gift cards. Cash back does not expire for accounts in good standing.

²See "Details of Rate, Fee, and Other Cost Information" section of the Santander® Ultimate Cash Back® credit card Agreement for current credit card rates, fees, and other terms. Credit Cards are subject to approval. Rates valid as of 10/1/2026. Rates may vary based on the Prime Rate and as further described in the agreement. 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 is no grace period on Balance Transfers because interest accrues from the date of the transaction. If a Balance Transfer offer is accepted, interest will be charged on new purchases from the transaction date unless all balances, including the promotional Balance Transfer, are paid in full by the next payment due date. 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. Your other accounts will not be closed by us, even if you transfer your entire balance. Contact your other credit card companies if you wish to close your other accounts. All Balance Transfers are subject to credit availability.

³Minimum payment and due date requirements apply. Late fees may be assessed. See “Details of Rate, Fee, and Other Cost Information” for additional terms.

⁴Santander® Instant Card Hold will block most types of transactions, including purchases made with your card. Some recurring debit/credit transactions presented by certain merchants (for example, memberships or subscriptions) may still process.
 Zero fraud liability is subject to promptly reporting unauthorized transactions. See “Unauthorized Use of Your Card or Account” in the Santander® Ultimate Cash Back® credit card Agreement for additional terms and details.

⁵Additional terms apply and unauthorized transactions must be promptly reported. See "Unauthorized Use of Your Card or Account" and information about reporting errors within the Santander® Ultimate Cash Back® credit card Agreement for details.

⁶Through 1/31/2027, earn a $5 Lyft credit for each month that you take 3 qualifying Lyft rides in the U.S. using your World, World Elite, or World Legend Mastercard. Additional terms apply. For full terms and conditions please visit https://www.lyft.com/mastercard.

⁷Offer begins on September 1, 2025, and expires on January 31, 2027. Eligible Mastercard® US Credit cardholders, and Mastercard US Debit cardholders who are new Instacart+ subscribers can receive 3 months of free Instacart+. Eligible US Mastercard Credit cardholders who are new or existing Instacart+ customers and all Mastercard US debit cardholders who are new to Instacart+ as of September 1, 2025, can receive $10 off on their second qualifying order of $10 or more, each month while customer remains an Instacart+ member. Service fees, other fees, taxes and/or tips may apply to deliveries. Additional terms apply. For full terms and conditions please visit www.instacart.com/p/mastercard-offer.

⁸Open only to individuals with an eligible US, MX, PR, DR, JM, AR and CL-issued Mastercard credit or debit card AND select U.S.-issued Mastercard prepaid cards. Ends 12/31/27. Use your eligible Mastercard credit, debit or prepaid card to make a contactless public transit purchase at PATH, NJ Transit, WMATA, CTA, MBTA, DTPW, SEPTA, or DART and process a minimum of $10 in contactless purchase transactions within any given calendar month and receive a $2.50 statement credit. Limit 1 credit per participant per calendar month. For full Terms & Conditions, visit mastercard.com/transitbenefit. Terms subject to change.

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Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. © 2026 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.