Specific Initial Pricing Information for Your Credit Card Account



Details of Rate, Fee, and Other Cost Information: All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including fees and the APRs for new transactions, may change in accordance with the Agreement and applicable law once you have an account. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.


APR = Annual Percentage Rate

We (Santander Bank, N.A.) reserve the right to change the APRs, fees and other charges as allowed by law.



APR for Purchases


0% Introductory APR, for the first 12 billing cycles of your account opening. After that,12.99% to 22.99% APR, based on your creditworthiness when you open your account.

APR for Balance Transfers



0% Introductory APR for 24 billing cycles for transactions made within 90 days of opening your account. Thereafter,


12.99% to 22.99% APR depending on your creditworthiness when you open your account.

APR for Cash Advances



24.99% APR

Penalty APR and when it applies



30.49% APR

This APR may be applied to new transactions on your account if you miss a payment, a payment is returned, or you make a late payment. This APR may be applied to your existing balance if you make a late payment and as allowed by law. The Penalty APR will apply indefinitely to new purchases and to existing purchases unless you make the next six consecutive months of on-time payments as required and have not otherwise violated the terms of the account agreement.

How to Avoid Paying interest on Purchases

Your due date will be at least 21 days after the close of each billing cycle. If you pay your entire balance in full each month by the payment due date we will not charge you interest on new purchases. Cash advances and balance transfers incur interest from the date posted to your account.

Minimum Finance Charge

If any interest is assessed on your account, the minimum amount of interest is $1.50 for each billing cycle.

For Credit Card Tips from the consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore


Annual Fee


Transaction Fees

  • Balance Transfer Fee


  • Cash Advance Fee



  • Foreign Transaction Fee



  • Purchases of Wire Transfers


Either $10 or 4% of the amount of each transaction, whichever is greater.


For each Cash Advance that is not a Balance Transfer, 5% of the amount of the Cash Advance or $10, whichever is greater.


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: Either $10 or 4% of the amount of each transaction, whichever is greater.

Penalty Fees

  • Late Payment


  • Returned payments: General, Convenience Checks, Balance Transfers


  • Overlimit Fee


Up to $35.


Up to $35. $25 for balance transfers and convenience transactions returned.







Other Fee


  • Research or additional statement printout


As allowed by law, charged at $5 per statement printout unless required for tax audit.




Method of computing the balance for purchases: Average daily balance method (including new purchases). See your Credit Card Agreement for more details and exclusions.


More Information about Penalty Fees and Loss of Introductory Rates: If your Total Minimum Payment Due is not received by your Payment Due Date, a Late Payment Fee of $25 will be assessed; $35 for subsequent occurrences that are within 6 billing cycles of a previous occurrence. However, the Late Payment Fee will not exceed the total minimum payment that was due. A Returned Payment Fee of up to $35 will be assessed for any check returned as unpaid, whether it is a payment, balance transfer or cash advance check drawn against your line. We will not charge both a Late Payment and a Returned Payment fee if the returned payment causes your payment to be late. We may end your introductory APR and apply the Penalty APR if you miss or make a late payment. There is no grace period on balance transfers. 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.


Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Credit Card Agreement.


Rewards Program: If you spend $1,000 on net new retail purchases (qualifying purchases less credits, returns, and adjustments) within the first 90 days of opening your account, we will credit 10,000 reward points to your account within 6 weeks.You will earn 1 point per dollar of new net retail purchase transactions (qualifying purchases less credits, returns, and adjustments) charged to the card account each billing cycle. Point earnings are rounded to the nearest whole point. 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 or points. Points do not expire for accounts in good standing. Other terms and conditions apply - see details about rewards program in the Credit Card Agreement.


Additional Disclosures:  You must have a Social Security Number or Individual Taxpayer Identification Number, be at least 18 years of age, or at least 21 years of age if a permanent resident of Puerto Rico. You must be a legal permanent resident of the United States or Puerto Rico.If you want to be underwritten as a student, you must submit your application through any of our Branches and present valid evidence as a proof of student status. You may not be approved for this card if you have a similarly branded Santander credit card account at the time of underwriting. If you accept or use this account, you do so on the terms of this application, the Details of Rate, Fee and Other Cost Information, and the Credit Card Agreement as it may be amended from time to time. Any changes you make to the terms of this application will be invalid.


By submitting this application you: (1)Acknowledge that you have reviewed the Details of Rate, Fee and Other Cost Information and everything you have provided or stated in the accompanying application is true; (2) agree to submit your application for this credit card subject to those Rate, Fee and Other Cost Information conditions and agree to pay all charges incurred under such terms and that this submission shall constitute your written signature to this application; (3) authorize Santander Bank, N.A. ("us" or "our") to obtain and review your credit and employment histories and any other information we or our affiliates have about you to determine your ability to pay, as required by Federal Law in order to approve or decline this application, verify your identity, service your account, and manage our relationship with you. You agree that on a periodic basis your account may be considered for automatic upgrade at our discretion; (4) agree that only a portion of your total credit line will be available for Cash Advances and that cash advances through ATM machines will be limited to $350 per day; (5) consent to us sharing information about you, your account, and your credit history with others, to the extent permitted by law, and authorize us or any of our affiliates to monitor and/or record any of your phone conversations with our representatives; (6) give us and our service providers permission to contact you for account service calls, such as alerts for potentially fraudulent transactions, at the mobile phone number you provided to the Bank, using artificial or prerecorded voice messages, automatic dialing technology, and text messaging (message and data rates may apply, and you may request to stop receiving text messages by calling the number on the back of your card); (7) agree to be bound by the terms and conditions of the Credit Card Agreement that you will receive with the card.


The information contained in these disclosures is updated regularly but may have changed since the last update. To find out what may have changed, you may contact Santander Bank, N.A. by calling 1-888-728-1222 or by writing to Santander Bank, 1 Santander Way, RI1-EPV-02-12, East Providence, RI 02915.


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