3x points
3x Points
Earn 3 points per dollar spent on gas station, supermarket, and restaurant purchases; up to 15,000 points per calendar quarter; 1 point on everything else.2
Intro APR on balance transfers
0% Introductory APR on Balance Transfers
Enjoy 0% Intro Annual Percentage Rate (APR) on Balance Transfers for 18 billing cycles if taken within the first 90 days of account opening.3
more options
More Options
Redeem points for cash back via statement credit, gift cards, or travel.
more convenience
More Convenience
Points never expire.4

Exclusive invitation! Apply now and get the details.

Apply at any Santander Bank branch: Use our branch locator to find one near you or call us at 1.877.768.2265.

$49 annual fee waived for the first year.2

1 Bonus via statement credit when you spend $1,000 on new net retail purchases (qualifying purchases less credits, returns, and adjustments) within the first 90 days of opening your account. Statement credit will be applied to your account withing six weeks after you meet the spend qualification.
 
2 You will earn three reward points for every dollar you spend on new net retail purchases in the supermarket, gas station and restaurant categories until you have accumulated 15,000 total points in those categories in a calendar quarter. After that, and for all other purchase categories, you will earn 1 point per dollar of new net retail purchase transactions charged to the card account each billing cycle.
 
3 0% Introductory APR for 18 billing cycles on balance transfers made within 90 days of account opening. After the introductory period, a variable APR for balance transfers from 16.24% to 23.24% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 3%, whichever is greater. There is no grace period on balance transfers. Also if you take a balance transfer offer, 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 next payment due date appearing on your statement. Variable APR for purchases from 16.24% to 23.24%, based on your creditworthiness when you open your account. Cash advance APR of 25.24%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.74%. The foreign transaction fee is 3% of the gross amount of transactions made in a foreign currency and transactions made in U.S. Dollars that are processed outside the 50 United States, District of Columbia, Puerto Rico, or Santander ATMs in Mexico. Purchases of wire transfers from a non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. The annual fee is $49 per year (waived for the first year of the account, and waived in each of the subsequent years on the anniversary date of the account if you maintain a Santander Select or Premier Plus checking account or if you are qualified for a Santander Bank employee checking account). Rates effective as of 04/01/2017.  Rates are subject to change.
 
4 For accounts in good standing.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2017 Santander Bank, N.A. All rights reserved. Santander, Santander Bank, the Flame Logo, and Bravo are trademarks of Banco Santander, S.A. or its subsidiaries in the United States or other countries. MasterCard is a registered trademark of MasterCard International Incorporated. All other trademarks are the property of their respective owners.