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Which credit card works best for you?


Special Offer! - For a limited time you can get 10,000 bonus points (a $100 value!) when you spend $1,000 on new net retail purchases with your Bravo or Sphere credit card during the first 90 days of opening your account.


 

Annual Percentage Rate = APR


 

Big Rewards

Triple Points

Big Savings

Low Intro APR on Balance Transfers

 

Bravo® Card

Sphere® Card

Earn Rewards
3x
Earn triple points on gas station, supermarket and restaurant purchases (up to 15,000 points per calendar quarter) and one point per dollar spent otherwise on all new net retail purchases
1x
Earn one point for every dollar you spend with no limit on the number of points you can earn for accounts in good standing
Balance Transfer APR* 0% Intro APR for the first 18 months if taken in the first 90 days after account opening, then from 15.99% to 24.99% thereafter, depending on your creditworthinesss 0% Intro APR for the first 24 months if taken in the first 90 days after account opening, then from 12.99% to 24.99% thereafter, depending on your creditworthiness
Annual Fee* $49.00 per year (first year fee waived). No annual fee for customers with a Santander SelectSM account on the date of their card account anniversary No annual fee
Purchase APR*
depending on your creditworthiness
From 15.99% to 24.99% From 12.99% to 24.99%
Redeem Points for Travel, Gift Cards, or Cash Back via Statement Credit
Points Don't Expire for accounts in good standing
 


 

How many points can you earn with the Bravo card?

 

Other cards say they have big rewards. Bravo says, "bring it on."

 

Compare the Bravo card to other common rewards credit cards and see how triple points compare.

 

With 3X points on gas station, supermarket, and restaurant purchases, there's no need to worry about rotating categories. You'll earn big rewards every day on these popular 3X categories (up to 15,000 points per calendar quarter). Plus, 1 point on all other new net retail purchases.

 

Use our calculator to see how much cash back you could earn.

Learn More

*Bravo: After introductory period of 0% Intro APR for 18 billing cycles, variable APR for balance transfers from 15.99% to 24.99% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 3%, whichever is greater. Variable APR for purchases from 15.99% to 24.99%, based on your creditworthiness when you open your account. Cash advance rate of 24.99% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 29.99% APR. 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. Purchases of wire transfers from a non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. The annual fee is $49 per year (waived for the first year of the account, and waived in each of the subsequent years on the anniversary date of the account if you maintain a Santander Select checking account or if you are qualified for a Santander Bank employee checking account). There is no grace period on balance transfers. 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 take a balance transfer offer and do not pay it in full by the payment due date. Please see the Terms and Conditions for additional rate, fee, and other cost information.

 

*Sphere: After introductory period of 0% Intro APR for 24 billing cycles, variable APR for balance transfers from 12.99% to 24.99% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 4%, whichever is greater. Variable APR for purchases from 12.99% to 24.99%, based on your creditworthiness when you open your account. Cash advance rate of 24.99% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 29.99% APR. 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. Purchases of wire transfers from a non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. There is no annual fee. There is no grace period on balance transfers. 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 take a balance transfer offer and do not pay it in full by the payment due date. Please see the Terms and Conditions for additional rate, fee, and other cost information.