***Sphere Annual Percentage Rates (APRs) and Fees: 0% introductory APR for 18 billing cycles on balance transfers made within 90 days of opening your account and 0% introductory APR for 18 billing cycles on purchases. After the introductory period, a variable APR for balance transfers and purchases from 13.74% to 23.74%, based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 4%, whichever is greater. There is no grace period on balance transfers. Also if you take a balance transfer offer, this means that unless your purchase APR is at an introductory or promotional 0% APR, you will pay interest on new purchases from the date made if you do not pay all balances, including the promotional balance transfer, in full by the next payment due date appearing on your statement. Cash advance APR of 25.74%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 31.24%, which may apply indefinitely to your account if you miss payments or otherwise default. The foreign transaction fee is 3% of the gross amount of transactions made in a foreign currency and transactions made in U.S. Dollars that are processed outside the 50 United States, District of Columbia, Puerto Rico, or Santander ATMs in Mexico. There is no annual fee. Rates effective as of 01/01/2018. Rates are subject to change. Credit card accounts are subject to approval.
†Accounts must be in good standing. Applies to net new retail purchases only.
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