Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Rebecca Lake, MyBankTrackerThe Santander Ultimate Cash Back Mastercard is geared towards spenders who prefer a no-fuss, no-fee approach to rewards. Ultimately, we'd suggest this card to anyone who doesn't carry a balance from month to month. You'll earn a consistent amount of cash back on their purchases without the extra bel...
- Robin Ratcliff, CreditCards.comWith a run-of-the-mill earning scheme and sign-up bonus, plus limited redemption options, the rewards program on the Santander Ultimate Cash Back Mastercard is far from impressive.
- Joe Resendiz, ValuePenguinIf you enjoy banking with Santander, this is a solid cash back credit card to have. However, the other big advertising point of this card, having no transaction fees, shouldn’t be taken as a huge benefit. In context, the fees this card waives aren't that helpful to most consumers.
- Kevin Joey Chen, FinderYou might wish for a 0% intro APR on balance transfers. The Santander® Ultimate Cash Back® Credit Card has attractive benefits, including very few fees and solid cash back. It’s a good choice if you want simple, consistent rewards.
- Adam Luehrs, Dough RollerAn especially good fit for anyone who already does their banking with Santander. This is ultimately a predictable, highly practical card that will work for earning a high rate of rewards for everyday purchases. It works best for anyone looking for generous rewards with little risk or excitement.
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
20.01% ‐ 29.14% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
20.01% ‐ 29.14% (Variable) (0% for the first 12 months)
|
| Cash Advance Interest Rate |
30.66% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
3% Minimum of $10 |
| Cash Advance Fee | $0.00 |
| Foreign Transaction Fee | $0.00 |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$35.00 Maximum |
| Promotions | |
| Sign up bonus |
Earn 3% cash back for the first year on qualified purchases, up to $20,000. |
| Rewards | |
| All Purchases | 1.5% cash back |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | No |
| Zero Liability | No |
| No Foreign Transaction Fees | Yes |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay |
| Virtual Cards | No |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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