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.
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.**
more options
More Options
Redeem points for cash back via statement credit, gift cards, or travel.
more convenience
More Convenience
Points never expire.

Exclusive Invitation!

* Bonus Offer Details: Accounts must be in good standing. Applies to net new retail purchases only. Net new retail purchases: qualifying purchases less credits, returns, and adjustments. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions, and certain other charges do not earn cash back credit. The cash back balance on your account does not expire for accounts in good standing. Cash Back in the form of statement credit upon your request. Receive the $100 cash back bonus via statement credit: When you spend $500 on net new retail purchases using the Santander® Ultimate Cash Back® credit card, or when you spend $1,000 on net new retail purchases using the Bravo credit card, within the first 90 days of opening your account. $100 cash back is credited to customer account within 6 weeks after spending requirements are met. Other terms and conditions apply.

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.

** Bravo Annual Percentage Rates (APRs) and Fees: 0% introductory Annual Percentage Rate (APR) for 18 billing cycles on Balance Transfers made within 90 days of opening your account. After the introductory period, a variable APR for Balance Transfers from 17.24% to 24.24% 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 17.24% to 24.24% based on the Prime Rate and your creditworthiness when you open your account. Cash Advance APR of 26.24%. Minimum finance charge of $1.50. The fee for Cash Advances, that are not Balance Transfers, are $10 or 5% of the cash advance amount, whichever is greater. Penalty APR of 31.74%, and loss of any introductory or promotional rate, if any, which may apply indefinitely to your account if you miss or make a late payment or otherwise default. 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. 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. A Returned Payment Fee of up to $35 will be assessed for any check returned as unpaid, whether it is a payment, or cash advance check drawn against your line. For Convenience and Balance Transfer Check returns, we charge $25. We will not charge both a Late Payment and a Returned Payment fee if the returned payment causes your payment to be late. 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 checking account, Premier Plus checking account, or qualify for a Santander Bank Employee checking account). Rates effective as of . Rates are subject to change. Rewards are earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and can be redeemed for statement credit, gift cards, electronics certificates, or merchandise. 3x points earned on Supermarket, Gas Station, and Restaurant purchases up to 15,000 points per calendar quarter. 1x points earned on all other purchases with no limits. Rewards do not expire for accounts in good standing. Rewards 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. Earn $100 cash back via statement credit after you spend $1000 on new net retail purchases within the first 90 days of opening your account, provided the account is in good standing. This credit can take up to 6 weeks to be processed. Other terms and conditions apply. Credit card accounts are subject to approval.

Accounts must be in good standing. Applies to new net retail purchases only.

Santander Bank, N.A. is a Member FDIC and a wholly owned subsidiary of Banco Santander, S.A. ©2018 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.

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