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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.
Product: Santander Bank US Credit Cards
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Compare Santander Bank US Credit Cards
Please find below credit cards offered by Santander Bank US.
Updating Results
Purchase Intro APR0% for 12 months
Transfer Intro APR0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR14.94% - 24.07% (V)
Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months|Transfer Fee: 3% (min $10)
Regular APR
14.94% - 24.07% (V)
annual fee
$0
rewards rate
1.5 - 3% Cash Back
minimum credit
Good Credit
Pros
- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
Cons
- Spending caps on rewards
- No rewards bonus
- Balance transfer fee
- Requires good/excellent credit
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.
- Shop online, pay bills, and make payments.
- See More Details & Reviews About Santander® Ultimate Cash Back® credit card
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Santander Bank US Credit Card Reviews
3.3
403 reviews
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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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1 Star Rating
Verified CustomerSantander's customer service is by far, the rudest & most inept I have thus encountered! It would help greatly if they employed individuals were capable of doing more than repeating a script!
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5 Star Rating
Verified CustomerSiempre es bueno tener una tarjeta para casos de emergencia. El banco me la ofreció hace años y califique. Le di uso solo en lo necesario. Está ya salda. Gracias.
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1 Star Rating
the worst bank i have ever dealt with in all my years. Have a credit card with them with a $0.00 balance. I go to use it it gets rejected. I call the number on the card and Santander advises they cannot access the account..HUH? Then they say during Covid 19 i have to go to the branch they will assist...HUH?
I had a mortgage with them too, absolute nightmare of a place
I had a mortgage with them too, absolute nightmare of a place
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1 Star Rating
Verified CustomerProvided no support at all for a laid-off college grad. I originally got the card when they were Sovereign Bank, and had vastly better customer service. I glad to be rid of Santander.
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5 Star Rating
Verified CustomerSantander is a great bank. Competent customer service both on the phone and in person. Their online banking is very competent and user friendly. I give them five stars.
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1 Star Rating
STAY AWAY! I have had personal checking, savings and credit card accounts with this bank for many years since it was Sovereign Bank. I was very happy with the bank until it was taken over by Santander. If I could have give them a "0" star I would have. I would constantly have issues with my deposits, payments on my credit card, etc. I would call to clear it up and the employee would be helpful but the follow up was non-existent. I would have to call many times over and over and I decided I was closing everything. I paid off our two credit cards well over a year ago. This week I got a statement for one of the cards with a credit of .83 cents! I called them to ask what this is about and was on hold waiting for customer service for 15 minutes. I finally spoke to someone and she said it was because they had miscalculated the interest they were charging me. I asked for a check for the amount because I have no intentions of using the card ever again. She said my husband would have to call to arrange this because it is his card. I told her that will never happen and she told me that after a few months a check will automatically be generated. I hope that will be the end of it.
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Hi Ellen, thank you for this info. I was debating on opening a checking account with this bank to take advantage of the $400 bonus promotion but now I think I’ll toss the offer out.
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Santander Bank US Credit Card Q&A
Get answers to your questions about Santander Bank US Credit Cards below. For more general questions, visit our Answers section.
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How can I reach the Santander Bank credit card customer service?
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Theo frank
You can reach the Santander Bank credit card customer service:
- Online by logging in to your account
- Via Santander's mobile app for iOS and Android
- By sending your inquiries via Santander's messaging form
- Over the phone at (877) 768-2265
- By visiting your nearest Santander Bank branch
What secured cards does Santander Bank have?
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thom Fotenberg
No, Santander Bank US does not have a secured credit card at this point in time. Santander Bank US only offers an unsecured credit card (the Santander® Ultimate Cash Back® credit card), which does not require the cardholder to put down a refundable deposit in order to open the account. However, there are several secured credit cards offered by other issuers.
Here are some of the best secured credit cards:
- Beginners Citi® Secured Mastercard®
- Rewards Capital One Quicksilver Secured Cash Rewards Credit Card
- No Credit Check OpenSky® Secured Visa® Credit Card
With secured cards, the deposit usually serves as the spending limit on the card, and the issuer can keep the deposit if the cardholder fails to repay what they owe. As a result, secured credit cards are relatively easy to get approved for.
Using a secured card responsibly can help you eventually build your credit to the point where you can qualify for a credit card from Santander bank US.
What credit score is needed for a Santander Bank credit card?
7
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Evelyn Boros
You need a credit score of at least 750 for a Santander Bank credit card. That means you must have good credit to be considered eligible, but other financial factors (like your current income or existing debts) will also be taken into consideration when the issuer looks at your application.
Currently, Santander Bank has a single credit card you can apply for, the Santander® Ultimate Cash Back® credit card.
How can I redeem my Santander Bank credit card rewards?
3
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Sebi Mitchell
You can redeem your Santander Bank credit card rewards online, by logging in to your account.
Santander Rewards points don't expire as long as your account is in good standing. Also, Santander Bank offers a great variety of options for redeeming your points, which include:
- Cash back
- Travel
- Merchandise
- Gift cards
- Charity
What is my balance?
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WalletHub
You can check your balance by logging into your online account at: https://www.santanderbank.com/us/personal/credit-cards/sphere or by calling customer service at 877-768-2265. Hope this helps.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
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