Santander Ultimate Cash Back

THU JUL 16 2026, AT 12:00 AM — UPDATED ON MON AUG 24 2026, AT 2:41 AM

Ranked #134/225

Read our comprehensive review and payoff analysis of the Santander Ultimate Cash Back from Santander Bank. Optimize your rewards today.

The Santander Ultimate Cash Back, issued by Santander Bank, is a Mastercard credit card made of Plastic.

Rewards Breakdown

Base Rate	1.50%
Anniversary Bonus	None
Portal Boost	1x

Pricing Details

Purchase APR	23.99% - 30.99%
Cash Advance Fee	4%
Balance Transfer Fee	4%
Late Payment Fee	Up to $39
Minimum Interest Charge	$1.50
Grace Period	25 days
Penalty APR	None

Official Resources

Product Page Pricing & Terms

Usability & Experience

Digital Wallets	apple-pay, google-pay, samsung-pay
Customer Service	Unverified
Instant Use	No

Strategy & Eligibility

Min. Credit Score	670+
Recommended Range	Good to Excellent
Chase 5/24 Rule	No
Lifetime Restriction	None
Active Family Restriction	Yes (None)
Closure Grace Period	None

Comparisons

See how the Santander Ultimate Cash Back compares to other cards.