Ultimate cash back. No annual fee. No transaction fees.

The Santander® Ultimate Cash Back® credit card

Love earning cash back and hate paying fees? The Santander® Ultimate Cash Back® credit card brings the best of both worlds to your wallet. Use your card to make all your purchases and receive cash back that can be redeemed for a statement credit, gift cards or merchandise. There are no categories or restrictions, so earning is rewarding.

 
 
 
 

Santander® Ultimate Cash Back® credit card features

ultimate rewards

Unlimited cash back▲▲▲

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

no annual or transaction fees

No annual or transaction fees▲▲▲

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

cash bonus offer

Cash bonus▲▲▲

Earn $100 Bonus after spending $500 within 90 days of account opening.

3% intro annual percentage rate on balance transfers

3% Intro Annual Percentage Rate (APR) on balance transfers▲▲▲

Enjoy a 3% introductory APR for 12 billing cycles for transactions made within 90 days of opening your account. After that, a variable APR from 16.49% to 25.49% will apply.

Benefits of Banking with Us
Convenience
Convenience
  • Over 600 branches and more than 2,000 Santander ATMs across the Northeast, including many CVS/pharmacy® locations.
  • Use your Debit Mastercard® for everyday on–the–go purchases.§
  • Bank day or night with our highly rated Mobile Banking App.
  • Enjoy convenient features like Mobile Check Deposit, Quick Balance, and Apple Pay®.
Security
Security
  • 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.
  • Rest easier with our Online Banking Guarantee.§
  • Rely on FDIC Insurance coverage up to applicable limits.
Service
Service
  • Call a toll-free number to speak to a Personal Banking Representative.
  • Use telephone banking at your convenience, 24 hours a day, 7 days a week.
  • Expect to be treated with respect during every customer service interaction.
  • Enjoy products and services that are simple, easy-to-understand, and easy to use.
 
 
 
 

May We Suggest Another Option?

▲▲▲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 16.49% to 25.49% based on the Prime Rate and your creditworthiness. 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. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Variable APR for purchases from 16.49% to 25.49% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.99%. Minimum finance charge of $1.50. Penalty APR of 31.99%, 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. There are no Annual, Balance Transfer, 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. 1.5% Cash back is earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and 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. 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, 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.

§ Available for Checking account customers.

§Please refer to your Online Banking or Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

**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 17.49% to 24.49% 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. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Variable APR for purchases from 17.49% to 24.49% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.49%. Minimum finance charge of $1.50. The fee for Cash Advances, that are not Balance Transfers, is $10 or 5% of the cash advance amount, whichever is greater. Penalty APR of 31.99%, 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, electronic 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. 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.

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.

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