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Santander · PERSONAL

Santander® Ultimate Cash Back® Mastercard®.

Cash back

Santander◈

Santander® Ultimate Cash Back® Mastercard®PERSONAL · ILLUSTRATION

Annual fee (as listed)$0

Base rewards1.5%

Foreign transaction feeApplies · rate not listed

Paused — no new applications

As recorded in the spreadsheet. Conditions and combined limits still apply; these aren’t calculated recommendations.

Category	Rate	Cap / limit	Conditions
Everything (year 1)	3%	First $20,000 in year 1, then 1.5%	—

Has Priority Pass: No
Cell Phone Protection: None
Priority Pass Details: None
Other Perks, Credits & Status: PAUSED: Santander's site (Oct 2026) states it is not accepting new credit card applications online or in branches
Existing holders are unaffected — list as paused
not open
Global Entry / TSA PreCheck Credit: No
Rental car coverage: Secondary