***Sphere Annual Percentage Rates (APRs) and Fees: 0% introductory Annual Percentage Rate (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 14.24% to 24.24% 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 26.24%. Minimum finance charge of $1.50. The fee for Cash Advances, that are not Balance Transfers, are $10 or 5% of the cash advance amount, whichever is greater. Penalty APR of 31.74%, and loss of any introductory or promotional rate, if any, which may apply indefinitely to your account if you miss or make a late payment 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. Each time we do not receive the Minimum Payment Due in full by the Payment Due Date, we will charge you a Late Fee of $25 for the first late fee in a 6-month period and a $35 fee for each late payment until there are 6 consecutive months with no late payments. However, we will never charge a Late Payment Fee exceeding the Minimum Payment Due that is late. A Returned Payment Fee of up to $35 will be assessed for any check returned as unpaid, whether it is a payment, or cash advance check drawn against your line. For Convenience and Balance Transfer Check returns, we charge $25. We will not charge both a Late Payment and a Returned Payment fee if the returned payment causes your payment to be late. There is no annual fee. Rates effective as of . Rates are subject to change. Rewards are earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and can be redeemed for statement credit, gift cards, electronics certificates, or merchandise. Rewards cannot be earned on balance transfers, cash advances, purchases of money orders and other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized / fraudulent transactions, and certain other charges. Rewards do not expire for accounts in good standing. Other terms and conditions apply. Credit card accounts are subject to approval.
† Accounts must be in good standing. Applies to new net retail purchases only.
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