Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Santander Ultimate Cash Back review

Compare Compare  
Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
20.01% ‐ 29.14% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
20.01% ‐ 29.14% (Variable) (0% for the first 12 months)
Balance Transfer
20.01% ‐ 29.14% (Variable) (0% for the first 12 months)
Balance Transfer
20.01% ‐ 29.14% (Variable) (0% for the first 12 months)
1.5% cashback
1.5% cashback
Signup Bonus
Signup Bonus

Informr score
The Santander Ultimate Cash Back currently has an Informr score of 6.4 out of 10. This score is based on our evaluation of 8 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...


The 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...

- Rebecca Lake, MyBankTracker

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,

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.

- Joe Resendiz, ValuePenguin

You 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.

- Kevin Joey Chen, Finder
Dough Roller
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


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)
  • 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 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


Sign up bonus

Earn 3% cash back for the first year on qualified purchases, up to $20,000.

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

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Santander Ultimate Cash Back

Rate It: