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1 Star Rating
You can't change your phone number or even cancel the credit card unless you go to a branch, which in my case was three hours away. Seriously ridiculous. Never again.
Product: Santander Bank US Credit Cards
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Please find below credit cards offered by Santander Bank US.
Compare Santander Bank US Credit Cards
Updating Results
Purchase Intro APR0% for 15 months
Transfer Intro APR0% for 15 months|Transfer Fee: 5% (min $10)
Regular APR18.75% - 27.87% (V)
Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months|Transfer Fee: 5% (min $10)
Regular APR
18.75% - 27.87% (V)
annual fee
$0
rewards rate
1.5 - 3% Cash Back
minimum credit
Good
WalletHub's Take
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Read our editor's full Santander® Ultimate Cash Back® Credit Card review.
Rewards Details
- Earn 3% cash back for the first year on qualified purchases, up to $20,000 spent.
- Thereafter, earn 1.5% cash back on qualified purchases, with no limits on how much you can earn.
- Cash back can be redeemed for statement credit, gift cards, electronic certificates, or merchandise.
Additional Info
- 0% Intro APR on balance transfers requested within 90 days of account opening.
- Enjoy the peace-of-mind of Santander® PROTECHTION and Santander® Instant Card Hold.
- Add to your digital wallet to make purchases with Apple Pay, Google Pay, or Samsung Pay.
- Shop online, pay bills, and make payments.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Santander Bank US Credit Card Reviews
3.3
411 reviews
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1 Star Rating
I had an awful experience with Santander Bank. I needed an emergency cash advance with my credit card. When I called Santander, the representative said I could withdraw $2,400. However, each bank I tried declined the transaction. I kept calling Santander and got different representatives. Each one had no answers for me, simply telling me to keep trying. I asked to speak to a supervisor, but I am still waiting to talk to them. They even gave me a case number and said to call back in three hours, yet I still couldn't speak to a supervisor. After six hours of trying at different banks and waiting on the phone to get answers, a representative finally said I can only take out $500 per day. Why didn't they tell me that six hours ago? They are inept. That was the worst bank and credit card experience I have ever had. The service was terrible.
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5 Star Rating
Verified CustomerOne of the best credit cards i've ever had. Santander gave me a very high credit limit because I have an account with them. Credit score went up about 100 pts because they trusted me. They are even better at disputing payments I've been scammed countless times in the past few years and every time Santander has gotten my money back. I love this bank and I never want to leave.
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1 Star Rating
This is the worst bank in the country…my mother in law went to withdraw money even knowing she would be charged a fee…the machine kept her card… she went inside and the clerk went to get her card and refused to return the card HOW DARE YOU treat an 86 year old woman like this
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1 Star Rating
Verified CustomerSlow in reporting payments to the credit bureaus. Would not recommend this card. They are not helpful in disputes. Only saving grace is their customer service speaks English very well
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5 Star Rating
Verified CustomerI just got on the rojo me with Jimmy, very very pleasant, got my issue fixed in a matter of seconds. I usually HATE calling into places but it looks like Santander has been improving with its overall customer service. Glad I kept choosing this bank I am always able to depend on them with everything I need. THANK YOU SANTANDER!
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5 Star Rating
Verified CustomerOnly but great experiences with Santander throughout the years. Their customer service has consistently top notch run by high end professionals.
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5 Star Rating
Verified CustomerSantander is a very well run financial institution. Excellent customer service…They monitor your visa card activities for fraud etc.
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1 Star Rating
Three times in the past 2 years, I have had to call their customer service department and each time with not much success. Wait times, rude and not well-trained representatives. And, make sure you read the fine print and understand it.. Fortunate for me there is a bank on every corner. Goodbye Santander...
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1 Star Rating
Man I wish I could put ZEROOO stars! My friend has paid almost twice the value of her car because these people feel like it! She paid off her car and months after they decide to repossess the car because apparently there were some interest charges that she was never warned about. AFTER, they took her car to a junkyard and the people there messed up her car in many ways. My friend decided to take back the car and start paying the CRAZY debt on her account at that moment. They said she owed $14,000!! Wth?! SHE HAD PAID IT IN FULL!! Now she owes 14k more?! Regardless, she decided to keep it because she loves her car and now when she looks at the account.. she owes 20k?! What is wrong with these people! Sooner than later they will get what they deserve. Freaking messed up people. They totally destroy your credit and then steal your hard earned money. No way a company like this can still be in business. Don't trust them!!
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Santander Bank US Credit Card Q&A
Get answers to your questions about Santander Bank US Credit Cards below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
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1
UpvoteHow do I apply for a Santander Bank credit card?
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Maria Adams
The easiest way to apply for a Santander Bank credit card is either online or over the phone at (833) 726-2737. Alternatively, you can apply in person at a Santander Bank branch.
Keep in mind that you need at least good credit to get approved for a Santander Bank credit card. You can check your credit score for free on WalletHub to see where you stand.
How to Apply for a Santander Bank Credit Card
- Online: Visit the Santander credit card page and click on "Apply Now." From the drop-down menu, choose your state of residence and ZIP Code and click on "Continue." Then, fill out the application form with your personal and financial information, as well as your Social Security number (SSN). Next, review your application and click on the "Submit" button.
- Over the phone: Call the application center at (833) 726-2737. Then, press “2” and wait until you are connected to a live representative.
- In person: You can also submit a credit card application at a Santander branch location during normal business hours.
Keep in mind that you can always check your application status over the phone at (833) 726-2737. It should only take a few minutes to find out whether your Santander Bank credit card application is approved, denied, or pending. There is no option to check the status of your application online.
0
UpvotesHow can I talk to Santander Bank customer service?
Reply
Theo frank
To talk to Santander Bank customer service, call 1-877-768-2265 and then press 0. This process will get you in contact with a live Santander Bank representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Santander Bank Customer Service by Phone
- Call the Santander Bank customer service department at 1-877-768-2265.
- Press 0.
- Speak to the live representative.
If you...
0
UpvotesIs there a secured credit card from Santander Bank?
Reply
thom Fotenberg
No, there isn't any secured credit card from Santander Bank available at the moment. This issuer only offers an unsecured credit card, the Santander® Ultimate Cash Back® Credit Card, but this card does not require a security deposit and it does require {{cc-min-credit-required-editorial}} credit for approval. However, there are plenty of secured credit card options from other issuers to choose from.
Notable Secured Credit Cards Available Now
With secured cards, the deposit usually serves as the spending limit on...
1
UpvoteDoes Santander Bank have a student credit card?
Reply
Chip Lupo
No, Santander Bank does not have a student credit card. Santander Bank does not offer any other credit cards for people with limited credit history, either, which means students and other applicants with no credit will need to build some credit history before applying for a Santander Bank card.
If you're hoping to get a student card, check out WalletHub's editors' picks for the best student credit cards from other issuers. Student credit cards usually offer better...
3
UpvotesHow can I redeem my Santander Bank credit card rewards?
Reply
Chip Lupo
To redeem Santander Bank rewards, log in to the Santander Rewards portal and select a redemption option. Santander Bank also allows you to redeem rewards by calling the phone number on the back of your card or by using the Santander Bank mobile app.
How to Redeem Santander Bank Rewards Online
- Log in to your Santander Bank credit card account.
- Go to the Santander Rewards portal.
- Find the list of redemption...
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