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Santander® Ultimate Cash Back® Card

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

welcome offer

Earn 3% cashback within the first 12 months, on up to $20,000 spent. Intro 0% APR for 12 months on purchases and balance transfers (after that 20.01% to 29.14% variable). The balance transfer fee is 3% or $10, whichever is greater.

Bonus Value

Approximately $600

Annual Fee

$0

Card Rewards

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

1.5% cash back on qualified purchases

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Help Me Build Credit has partnered with CardRatings for our coverage of credit card products. Help Me Build Credit and CardRatings may receive a commission from card issuers. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

Author - Sam Updated: December 1, 2023 | Credit Card Review
Card Overview

The Santander Ultimate Cash Back credit card earns ultimate cashback. You will earn 3% cashback on all purchases the first year on up to $20,000 in purchases. And unlimited 1.5% on all purchases.

Card-Smart Tips & Advice
  • Credit bureau: Santander will usually pull your Experian credit report
  • Reconsideration: If declined you can call 1 800 695 5171 to be reconsidered
Balance Transfer Terms
  • Balance transfer Fee: 3% or $10, whichever is greater Balance transfers must be completed within 90 days of account opening Beware: If you make a late payment or a payment is returned then a penalty APR may apply and you may lose the Intro APR Offer
Card Details And Benefits
Get Started Card not affiliated
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Savor Rewards

*The estimate is based on our research on what approximate value consumers get when booking travel with points or transferring the points to partner airlines/hotels and booking award travel. You might need to be reward savvy to achieve the proper value. You can find out more on how we value points here

Please note: Although, I put a lot of effort to give my readers unbiased information. I’m legally required to notify you that I may be receiving compensation from credit card companies mentioned on this page. Please see our Advertisement Disclosure for more details.
The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.
Help Me Build Credit has partnered with AwardWallet and CardRatings for our coverage of credit card products. Help Me Build Credit, AwardWallet and CardRatings may receive a commission from card issuers.

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