The Santander® Ultimate Cash BackSM credit card

Love earning cash back and hate paying annual and transaction fees? The Santander® Ultimate Cash BackSM credit card brings the best of both worlds to your wallet. Use your card to make all your retail purchases and receive cash back via statement credit, gift cards or merchandise, with no categories or restrictions to worry about.

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Santander® Ultimate Cash BackSM credit card features

Unlimited cash back

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

No annual or transaction fees

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

Cash 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.*

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 15.49% to 24.49% will apply.▲▲▲

Benefits of Banking with Us
Convenience
Convenience
  • Over 650 branches and more than 2,000 Santander ATMs across the Northeast, including many CVS/pharmacy® locations.
  • Online and Mobile Banking.
  • Pay in a simple, secure and convenient way with Apple Pay.
  • Mobile Check Deposit.
  • A Debit MasterCard® for your everyday on–the–run purchases§.
  • Monitor your balances or activity with customizable alerts.
Security
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§§.
  • Real-Time Fraud Monitoring.
Service
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.
 
 
 
 

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* 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 BackSM 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.

▲▲▲ Santander® Ultimate Cash BackSM 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 15.49% to 24.49% 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 15.49% to 24.49% based on your creditworthiness when you open your account. Cash advance APR of 25.99%. Minimum finance charge of $1.50. Penalty APR of 30.99%, which may apply indefinitely to your account if you miss payments or otherwise default. There is no annual fee. Rates effective as of 11/01/2017. 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.

§ 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.

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

** Bravo Annual Percentage Rates (APRs) and Fees: 0% introductory 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 16.49% to 23.49%, 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.Variable APR for purchases from 16.49% to 23.49%, based on your creditworthiness when you open your account. Cash advance APR of 25.49%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.99%, which may apply indefinitely to your account if you miss payments 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. Purchases of wire transfers from a nonfinancial institution of either $10 or 4% of the amount of each transaction, whichever is greater. 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 or Premier Plus checking account or if you are qualified for a Santander Bank employee checking account). Rates effective as of 11/01/2017. Rates are subject to change. Credit card accounts are subject to approval.

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