The Santander Ultimate Cash Back is a personal credit card from Santander Ultimate Cash Back. The annual fee is $0; no foreign transaction fees. The ongoing APR is 19.00%–28.13% variable on both purchases and balance transfers after a 0% introductory rate for 15 months. Approval typically requires a credit score of Good (670+) or higher. Rewards: ○ Earn 3% cash back on qualified purchases for the first 12 months (up to $20,000 in spending) ○ Then 1.5% unlimited cash back thereafter. 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