The Santander Bank, N.A. is a personal credit card from Santander Bank, N.A.. Application typically pulls a hard report from TransUnion. The annual fee is $0. The ongoing APR is 18.49% to 27.62% variable (pricing dated 10/2026, Prime 7.00% as of 10/01/2026) after a 0% intro APR on purchases and balance transfers (balance transfers within 90 days of account opening) introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: 3% cash back on net retail purchases for the first 12 months after account opening, up to $20,000 spent; otherwise 1.5% cash back. Cash back: 3% cash back for the first 12 months, then 1.5% cash back on qualified purchases. This product reports activity to your personal credit report. Best for users who want a long 0% APR period combined with elevated rewards early; ideal for consolidating balances or large purchases while maximizing cash-back value. Regions Life Visa Credit Card. BT Fee: Greater of 5% of the amount transferred or $10. Post-intro APR: 19.00%–28.13% variable on both purchases and balance transfers