Bank · FDIC insured
Santander Bank Credit Card Rates
Santander Bank credit card rates start at 18.49% APR. Rates checked October 22, 2026.
How Santander Bank’s credit card rates compare
Compared with banks and credit unions in New York, where Santander Bank has the most branches. Ongoing purchase APR, lowest first.
This bank’s lowest
Santander Bank
– –
No ongoing APR published
Lowest rate
Fox Federal Credit Union
6.95%APR
2nd-lowest rate
Remington Federal Credit Union
6.99%APR
Every rate
Current credit card rates
Rates from the bank’s website. Most are “as low as” rates for the best credit; yours depends on your credit.
Santander® Ultimate Cash Back® Card
Credit cards are subject to approval. Rates valid as of 10/1/2026. Rates may vary based on the Prime Rate and as further described in the agreement. Loss of any introductory or promotional rate, if any, may apply indefinitely to your account if you miss or make a late payment or otherwise default. There is no grace period on Balance Transfers because interest accrues from the date of the transaction. If a Balance Transfer offer is accepted, interest will be charged on new purchases from the transaction date unless all balances, including the promotional Balance Transfer, are paid in full by the next payment due date. We're not accepting new credit card applications online or in branches at this time. Already a Santander Credit Card customer? You can continue using and managing your card just as you do today. Zero fraud liability subject to promptly reporting unauthorized transactions. Minimum payment and due date requirements apply. Late fees may be assessed.
| Applies to | APR | Annual fee | Conditions |
|---|---|---|---|
| Intro, 15 months | 0.00% | None | 0% introductory annual percentage rate (APR) for 15 billing cycles on balance transfers made within 90 days of account opening. The Balance Transfer fee is the greater of 5% of the amount transferred or $10. There is no grace period on Balance Transfers because interest accrues from the date of the transaction. Interest will be charged on new purchases from the transaction date unless all balances, including the promotional Balance Transfer, are paid in full by the next payment due date. |
| Ongoing | 18.49%–27.62% | None | Variable APR on balance transfers after the 15 billing cycle introductory period, varying based on the Prime Rate. Balance transfer fee is the greater of 5% of the amount transferred or $10. |
Sources (1)
- santanderbank.com/personal/credit-card · captured Oct 22, 2026
Opening an account
Confirm the bank’s opening requirements and whether the account is available where you live. A nearby branch does not establish eligibility for every rate.