Snapshot

Smart Option Visa
Smart Option Visa
Santander Ultimate Cash Back
Santander Ultimate Cash Back
IssuerFirst Citizens BankSantander Bank
NetworkVisaMastercard
Card MaterialPlasticPlastic
Annual Fee$0.00$0.00
Base Rate0.00%1.50%
Travel Rewards0.00x0.00x
Auth. User Fee$0.00$0.00
Foreign Txn Fee3%0%
LifecycleAvailableAvailable

Welcome Offer

BonusNoneNone
Spend Requirement
Timeline

Rewards Breakdown

Base Rate0.0% (base)1.5% (base)
Anniversary BonusNoneNone
Portal Boost1x1x

Benefits & Partners

Transfer PartnersNoneNone
Annual CreditsNoneNone

Transfer Partners

Pricing Details

Purchase APR15.24% - 25.24%17.24% - 24.24%
Cash Advance APR25.24%26.24%
Penalty APRN/AN/A
Late Fee$40$39
Balance Transfer Feeundefined% (min $0)undefined% (min $0)

Insurance & Protections

Auto RentalSecondarySecondary
Baggage Delay
Baggage Loss
Cell Phone Protection
Extended Warranty
Purchase Protection
Return Protection
Trip Cancellation Interruption
Trip Delay
Tsa Precheck Global Entry

Usability & Experience

Digital WalletN/AN/A
Instant Card Number
Credit BureausN/AN/A

Strategy & Eligibility

Recommended CreditN/AN/A
Application RulesStandardStandard