Credit Cards

Life is full of rewarding moments, and with the Santander® Ultimate Cash Back® Card, you can earn more rewards with every dollar you spend. Whether you’re making everyday purchases or treating yourself to something special, this credit card ensures you’re always earning cash back, all while enjoying an exceptional experience.

Earn More Cash Back

With the Santander® Ultimate Cash Back® Card, you can earn 3% cash back on qualified purchases for the first 12 months, up to $20,000. That’s a great way to maximize your rewards during your first year. After the introductory period, you’ll continue to earn unlimited 1.5% cash back on all qualified purchases, so your rewards don’t stop after the first year.

Whether you’re using your card for shopping, dining, or travel, every purchase counts toward earning more cash back. The more you spend, the more you save and earn—without worrying about limits on how much cash back you can earn once the introductory period ends.

More Savings with 0% Introductory APR

Take advantage of a 0% introductory APR on qualified purchases and balance transfers for the first 12 months. This allows you to make purchases or transfer balances without worrying about interest charges during the introductory period. After 12 months, the variable APR will be between 19.25% and 28.38%, depending on your creditworthiness.

The Balance Transfer fee is the greater of 3% of the amount transferred or $10. This is a great opportunity for those looking to manage or consolidate their credit card debt with no interest charges for the first year.

No Annual Fees, No Hidden Fees

One of the most attractive features of the Santander® Ultimate Cash Back® Card is the absence of an annual fee. You won’t have to pay extra to keep your card active, which means more money in your pocket. Plus, enjoy the freedom from additional costs, such as:

• No annual fees*
• No foreign transaction fees*
• No returned payment fees*
• No cash advance fees*

With fewer fees, you can enjoy more of your rewards and spend your money where it matters most—on what you love.

Peace of Mind with Santander® PROTECHTION

Bank safely and securely with Santander® PROTECHTION, providing you with digital controls for your card, instant alerts, and enhanced security features. You can instantly put your lost or stolen card on hold using the Santander® Instant Card Hold feature. This helps protect your account while you resolve any issues, giving you peace of mind every time you use your card.

How to Apply

If you're an existing client of Santander Bank, NA or have received an invitation in the mail, you can apply for the Santander® Ultimate Cash Back® Card online. If you don’t currently have an account with us, you can visit one of our branches to apply in person. Apply today and start enjoying the benefits of earning more cash back, more savings, and more peace of mind with Santander.