▲▲▲Santander® Ultimate Cash Back® Annual Percentage Rates (APRs) and Fees: 3% introductory Annual Percentage Rate (APR) for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 16.74% to 25.74% based on the Prime Rate and your creditworthiness. There is no grace period on Balance Transfers. This means that, unless your Purchase APR is at a promotional 0% APR, you will pay interest on new purchases from the date made if you take a Balance Transfer offer and do not pay all statement balances, including the Balance Transfer, in full by the Payment Due Date. Balance Transfers may not be used to pay off or pay down any account issued by Santander Bank, N.A. or another institution’s loan balances or card balances if they do not accept our electronic payments, and are subject to credit availability. Variable APR for purchases from 16.74% to 25.74% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 27.24%. Minimum finance charge of $1.50. 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 are no Annual, Balance Transfer, Cash Advance, Foreign Transaction, or Returned Payment fees. Finance charges still apply. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Payment Fee exceeding the Minimum Payment Due that is late. Rates effective as of 01/02/2019. Rates are subject to change. 1.5% Cash back is earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back cannot be earned on balance transfers, cash advances, purchases of money orders and other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized / fraudulent transactions, and certain other charges. Cash back balance does not expire for accounts in good standing. Earn $100 cash back via statement credit after you spend $500 on new net retail purchases within the first 90 days of opening your account, provided the account is in good standing. This credit can take up to 6 weeks to be processed. Other terms and conditions apply. Credit card accounts are subject to approval.