Love earning cash back and hate paying fees?

The Santander® Ultimate Cash Back® credit card brings the best of both worlds to your wallet.


No annual or transaction fees

Pay no annual, balance transfer, foreign transaction, cash advance, or returned payment fees.


Unlimited cash back

Receive 1.5% cash back on all net new retail purchases with no categories and no limits.


$100 Bonus

Receive $100 cash back via statement credit when you spend $500 on net new retail purchases within the first 90 days of account opening.


Apply for your card today.

Applying is quick and easy. Most applicants receive a decision in less than 60 seconds.

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▲▲▲ Santander® Ultimate Cash Back® Annual Percentage Rates (APRs) and Fees: 3% introductory Annual Percentage Rate (APR) for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 15.74% to 24.74% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of $0. 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 15.74% to 24.74% based on your creditworthiness when you open your account. Cash advance APR of 26.24%. Minimum finance charge of $1.50. Penalty APR of 31.24%, which may apply indefinitely to your account if you miss payments or otherwise default. There is no annual fee. Rates effective as of . Rates are subject to change. Late payment fee and finance charges will still apply. 1.5% cash back via statement credit, gift cards, or merchandise on net new retail purchases with no limits on how much you can earn. Earn $100 cash back via statement credit after you spend $500 on net new retail purchases within the first 90 days of opening your account. This credit can take up to 6 weeks to be processed. Late payment fee and finance charges will still apply. Credit card accounts are subject to approval.

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. Other terms and conditions apply. Cash Back is credited to customer account within 6 weeks after spending requirements are met.

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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