You choose the card that benefits you. Ultimate Cash Back. Bravo. Sphere.

Credit Cards

Whether you want to maximize your awards or do a balance transfer, we have the credit card for you. Bravo®, Sphere® and the Santander® Ultimate Cash Back® credit card all offer rewards, convenience and work with Apple Pay®. So get started and choose how you want to be rewarded!

 
 
 
 
 
 
 
 

Compare Our Credit Cards

Santander® Ultimate Cash Back,® Bravo,® and Sphere® – three great credit card options from Santander Bank. Compare to find the combination of benefits and rewards that's right for you, and learn how to apply for a credit card today.

  Santander ® Ultimate Cash Back® Sphere ® Bravo ®
Ideal for
customers
who:
Love getting cash back and hate paying annual and transaction fees. Unlimited 1.5% cash back on all purchases, no categories; no hoops to jump through.▲▲▲ Want a great balance transfer option plus rewards. Earn one reward point for every dollar spent, with no limits.*** Prefer a Premium Credit Card that enables you to maximize rewards. Earn up to 3x points on your everyday purchases.**
Bonus
offer
$100 cash back
Earn $100 cash back via statement credit after you spend $500 on purchases within 90 days of account opening.▲▲▲
N/A $100 cash back
Earn $100 cash back via statement credit after you spend $1,000 on purchases within 90 days of account opening.**
Rewards 1.5% cash back
Earn unlimited 1.5% cash back on all net new purchases. No categories. No limits.▲▲▲
1X
Earn 1x reward point for every dollar spent.***
3X
Earn 1x reward point on purchases and 3x reward points on supermarket, gas station, and restaurant purchases up to 15,000 points per calendar quarter**
Offers Balance Transfer Offer:
3% Introductory APR for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 16.49% to 25.49%, based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of $0.▲▲▲
Balance Transfer Offer:
0% Introductory APR for 18 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 14.49% to 24.49% based on the Prime Rate and your creditworthiness.***

Purchase Offer:
0% Introductory APR for the first 18 billing cycles on purchases. After the introductory period, a variable APR for purchases from 14.49% to 24.49% APR, based on the Prime Rate and your creditworthiness when you open your account.***
Balance Transfer Offer:
0% Introductory APR for 18 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period a variable APR for balance transfers from 17.49% to 24.49% based on the Prime Rate and your creditworthiness.**
Annual Fee $0 $0 $49 per year (first year waived)**
Balance
Transfer
Fee
$0 $10 or 4% of the amount of each transaction, whichever is greater.*** $10 or 3% of the amount of each transaction, whichever is greater.**
Foreign
Transaction
Fee
$0 3% of the gross amount of transactions.*** 3% of the gross amount of transactions.**
Cash
Advance
Fee
$0 For each Cash Advance that is not a Balance Transfer, 5% of the amount of the Cash Advance or $10, whichever is greater.*** For each Cash Advance that is not a Balance Transfer, 5% of the amount of the Cash Advance or $10, whichever is greater.**
Returned
Payment
Fee
$0 Up to $35. $25 for balance transfers and convenience transactions returned.*** Up to $35. $25 for balance transfers and convenience transactions returned.**
Late
Payment
Fee
Up to $35▲▲▲ Up to $35*** Up to $35**
Over
Limit
Fee
$0 $0 $0
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▲▲▲Santander® Ultimate Cash Back® Annual Percentage Rates (APRs) and Fees: 3% introductory Annual Percentage Rate (APR) for 12 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period, a variable APR for balance transfers from 16.49% to 25.49% based on the Prime Rate and your creditworthiness. 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. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Variable APR for purchases from 16.49% to 25.49% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.99%. Minimum finance charge of $1.50. Penalty APR of 31.99%, 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. There are no Annual, Balance Transfer, Cash Advance, Foreign Transaction, or Returned Payment fees. Finance charges still apply. 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. Rates effective as of . Rates are subject to change. 1.5% Cash back is earned on new net retail purchases (qualifying purchases less credits, returns, and adjustments) and can be redeemed for statement credit, gift cards, electronic certificates, or merchandise. Cash back 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. Cash back balance does not expire for accounts in good standing. Earn $100 cash back via statement credit after you spend $500 on net new retail purchases within the first 90 days of opening your account, provided the account is in good standing. This credit can take up to 6 weeks to be processed. Other terms and conditions apply. Credit card accounts are subject to approval.

**Bravo 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. After the introductory period, a variable APR for balance transfers from 17.49% to 24.49% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 3%, 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. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Variable APR for purchases from 17.49% to 24.49% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.49%. Minimum finance charge of $1.50. The fee for Cash Advances, that are not Balance Transfers, is $10 or 5% of the cash advance amount, whichever is greater. Penalty APR of 31.99%, 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. 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, Premier Plus checking account, or qualify for a Santander Bank Employee checking account). 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, electronic certificates, or merchandise. 3x points earned on Supermarket, Gas Station, and Restaurant purchases up to 15,000 points per calendar quarter. 1x points earned on all other purchases. Rewards do not expire for accounts in good standing. 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. Earn $100 cash back via statement credit after you spend $1000 on new net retail purchases within the first 90 days of opening your account, provided the account is in good standing. This credit can take up to 6 weeks to be processed. Other terms and conditions apply. Credit card accounts are subject to approval.

***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 14.49% to 24.49% 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. Balance Transfers cannot be used to pay off another Santander credit card, Santander loan or line, or another institution’s loan balances or card balances if they do not accept our electronic payments. Cash advance APR of 26.49%. 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 31.99%, 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, electronic certificates, or merchandise. 1x points earned on all purchases. Rewards do not expire for accounts in good standing. 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. Other terms and conditions apply. Credit card accounts are subject to approval.

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