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Santander Ultimate Cash Back review

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Advertiser Disclosure

Interest Rate: Purchases
16.74% ‐ 25.74%
Balance Transfer
16.74% ‐ 25.74% (3% for the first 12 months)
1.5% cashback
Signup Bonus
$100 after spending $500

Informr score
The Santander Ultimate Cash Back currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 7 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Santander Ultimate Cash Back is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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...

With 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.

- Robin Ratcliff,

Getting 3% APR on balance transfers — instead of the customary 0% intro APR — may feel a bit odd. Luckily, the Santander Ultimate Cash Back card offers solid rewards for a flat-cash-back product. You might also like that Santander charges no fees for balance transfers, foreign transactions, cash adv...

- Finder

If 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.

- Robert Harrow, ValuePenguin
Dough Roller

An 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.

- Adam Luehrs, Dough Roller
Doctor Of Credit

1.5% cash back on all purchases is simply not competitive in the credit card landscape anymore when you have a glut of 2% cards and some earning up to 2.5%/3% on all purchases. $100 cash sign up bonus is also on the lower end. There are limited options for cards that have no annual fee and no foreig...

- William Charles, Doctor Of Credit


Interest Rates
Regular APR Interest Rate 16.74% ‐ 25.74%

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 16.74% ‐ 25.74% (3% for the first 12 months)
  • Intro rate applies on balances transferred within the first 90 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 27.24%

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee $0.00
Cash Advance Fee $0.00
Foreign Transaction Fee $0.00
Over Limit Fee $0.00
Late Payment Fee $35.00


Sign up bonus $100 after spending $500

On purchases within the first 3 months.

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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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