INITIAL PRICING INFORMATION FOR YOUR CREDIT CARD ACCOUNT
Details of Rate, Fee, and Other Cost Information: All account terms are governed by the Credit Card Agreement. Account and Agreement terms are not guaranteed for any period of time; all terms, including fees and the APRs for new transactions, may change in accordance with the Agreement and applicable law once you have an account. We may change them based on information in your credit report, market conditions, business strategies, or for any reason.
APR = Annual Percentage Rate
We (Santander Bank, N.A.) reserve the right to change the APRs, fees, and other charges as allowed by law.
INTEREST RATES AND INTEREST CHARGES
APRfor Purchases · 0%IntroductoryAPR, for the first 15 billing cycles of your account opening. After that, 18.24%to27.36%APR, * based on your creditworthiness when you open your account.
APRfor Balance Transfers · 0%IntroductoryAPR for 15 billing cycles for transactions made within 90 days of opening your account. Thereafter, 18.24%to27.36%APR * based on your creditworthiness when you open your account.
APRfor Cash Advances · 28.89%APR *
Paying interest · Your due date will be at least 21 days after the close of each billing cycle. Wewill not charge you any interest on purchases if you pay your entire balance by the due date each month. Wewill begin charging interest on Cash Advances and Balance Transfers on the transaction date.
For credit card tips from the Consumer Financial Protection Bureau · To learn more about factors to consider whenapplying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
FEES —IF YOU ARE ELIGIBLE TO RECEIVE BENEFITS UNDER THE MILITARY LENDING ACT, YOU WILL PAY NONE OF THE FOLLOWING FEES. OTHERWISE, YOU WILL PAY THE FOLLOWING:
Annual Fee · $0.
Transaction Fees • Balance Transfer Fee • Cash Advance Fee • Foreign Transaction Fee · Either $10 or 5% of the amount of each transaction, whichever is greater for each balance transfer. Either $10 or 5% of the amount of each cash advance, whichever is greater for each cash advance. $0.
Penalty Fees • Late Payment • Returned · Up to $40.
Up to $40.
Payments: general, convenience checks, balance transfers
* Prime Rate: Variable APRs are based on the Prime Rate of 6.75% as of 01/02/2026. This rate may vary based on the Prime Rate in effect on the date of application.
We add 11.24% to 20.24% to the Prime Rate to determine the Purchase/Balance Transfer APR.
We add 21.74% to the Prime Rate to determine the Cash Advance APR.
We take the Index plus the Margin for each type and multiply by 365/360 to derive the APR applicable as shown above.
