Santander® Ultimate Cash Back® credit card.

Earn 3% Cash Back

for the first 12 months1 with the Santander® Ultimate Cash Back® credit card.

You’ll like the
Santander® Ultimate
Cash Back® credit card

if you’re looking for
more cash back and more savings.

Favorite features

  • 3% cash back for the first year on qualified purchases, up to $20,000. Thereafter earn 1.5 on cash back on qualified purchases, with no limits on how much you can earn. 1
  • 0% Introductory APR on Purchases and Balance Transfer for the first year. 1
  • No annual or foreign transaction fees.1
  • Santander® Instant Card Hold2

Account details.


More cash back

  • Earn 3% cash back on qualified purchases for the first 12 months.1
  • Unlimited 1.5% cash back on qualified purchases.1

More savings

  • 0% Introductory APR on qualified purchases for 12 months.1
  • 0% Introductory APR on Balance Transfers for 12 months.1

Fewer fees

  • No annual fees.1
  • No foreign transaction fees.1
  • No returned payment fee.1
  • No cash advance fee.1

More peace of mind

  • Santander® PROTECHTION
  • Santander® Instant Card Hold2
Santander® Ultimate Cash Back® credit card

The Ultimate in Cash Back is also the Ultimate in Convenience.

Manage cards

Manage cards.

Create/change PIN, activate debit and credit cards, put a misplaced card on hold,2 report a card lost or stolen, and request replacements. Do all this and take control with our highly rated Mobile Banking App.3

Manage alerts

Manage alerts.

Select and customize the alerts you want to receive, with customizable alerts on Account Deposit(s), Debit(s), Low Balance, Available Credit, and more; plus, refine alert settings, and choose whether to receive them via text, email, or both.

Go paperless

Go paperless.

Cut the clutter and forget the fees by choosing paperless statements, which are electronic replacements for the statements you receive in the mail.

Trust Santander PROTECHTION

Trust Santander PROTECHTION.

Mobile and Online Banking with Santander® PROTECHTION gives you digital controls for cards, alerts, and more.

To activate your card, check your rewards balance, request a balance transfer, and more:

Download the Santander Mobile Banking App

Download the Santander Mobile Banking App

Highly rated. 4.7 out of 5 Rating.3

Enroll in Santander Online Banking

Enroll in Santander Online Banking

right from your laptop, desktop, phone, or tablet.

Using your Santander® Ultimate Cash Back® credit card.


On the go.

Make fast everyday purchases without cash or checks.

Use everywhere Mastercard® is accepted.

Peace of mind.

Make safe in-store, in-app purchases.

Shop online, pay bills, and make payments.

Enjoy the peace of mind of Santander® PROTECHTION and Santander® Instant Card Hold.2


Set up recurring payments and avoid late payment fees.1

Add to your digital wallet to make purchases with Apple Pay.

Benefits of banking with us:

  • Use your Mastercard for everyday, on-the-go purchases.1
  • Bank day or night with our highly rated Mobile Banking App.3
  • Enjoy convenient features like Apple Pay.
  • Bank online with the confidence of Santander® PROTECHTION, using digital controls for cards, alerts, and more.
  • Put misplaced cards on hold, until you find them, with Santander® Instant Card Hold.2
  • Rest easier with our Digital Banking Guarantee.4

10% introductory Annual Percentage Rate (APR) for 12 billing cycles on Balance Transfers made within 90 days of opening your account and 0% Introductory APR for 12 billing cycles on Purchases. After the introductory period, a variable APR for Balance Transfers and Purchases from 14.69% to 23.82% based on the Prime Rate and your creditworthiness, with a transaction fee for each Balance Transfer of either $10 or 3% of the amount of each transaction, whichever is greater. There is no grace period on Balance Transfers because interest accrues from the date of the transaction. 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. Balance Transfers may not be used to pay off or pay down any account issued by Santander Bank, N.A.  Balance Transfers are payable to another institution’s loan balances or card balances that accept our electronic payments. Variable APR for purchases from 14.69% to 23.82% based on the Prime Rate and your creditworthiness when you opened your account. Cash advance APR of 25.34%. 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 are no Annual, Cash Advance, Foreign Transaction, or Returned Payment fees.  Finance charges still apply. 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.  Rates effective as of . Rates are subject to change. For the first 12 months after account opening, you earn 3% cash back on new net retail purchases (qualifying purchases less credits, returns, and adjustments) until you have spent $20,000 USD or equivalent. Otherwise, you earn 1.5% cash back on new net retail purchases. Cash back can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back 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. Cash back balance does not expire for accounts in good standing. Other terms and conditions apply. Credit card accounts are subject to approval.

2 Santander® Instant Card Hold will block most types of transactions, including purchases made with your card. Please note that some types of transactions will continue to process, including recurring debit/credit transactions presented to us by certain merchants for monthly membership or subscription fees.

3 Rating by Apple App Store customers 4.7 out of 5 of 160,000 ratings as of December 10, 2019.

4 Please refer to your Digital Banking Agreement and Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

Apple, the Apple logo, Apple Pay and Touch are trademarks of Apple Inc., registered in the U.S. and other countries. App Store is a service mark of Apple Inc., registered in the U.S. and other countries.

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