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Credit Cards Overview

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Credit Cards

Everyday life is full of small decisions. But when it comes to deciding between Santander® Bank Credit Card options, you can't go wrong. Our credit cards are rewarding, convenient and have the features you’ve been looking for. So, go ahead, take your pick.

Find credit card rewards worth cheering about.

Bravo® Credit Card

Earn up to triple points on your everyday purchases with the Bravo Credit Card.

  • Earn 3x rewards points on supermarket, gas station, and restaurant purchases; Up to 15,000 points per calendar quarter; 1x points on everything else.
  • 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 15.74% to 22.74% based on the Prime Rate and your creditworthiness.
  • $100 Cash Back via statement credit when you spend $1,000 on new net retail purchases with your card within the first 90 days of opening your account*.
  • Advanced security features including Zero Liability for Fraud when promptly reported.

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Have your cake and eat it too with no annual fee.

Sphere® Credit Card

No Annual Fee**, plus one reward point for every dollar you spend.

  • 0% Introductory Annual Percentage Rate (APR) on balance transfers for 24 months if taken within the first 90 days of account opening**; After the introductory period a variable APR for balance transfers from 12.74% to 22.74% based on the Prime Rate and your creditworthiness.
  • One reward point earned for every dollar spent.
  • 0% Introductory APR on purchases, for the first 12 billing cycles of your account opening. After that, 12.74% to 22.74% APR, based on your creditworthiness when you open your account.
  • Advanced security features including Zero Liability for Fraud when promptly reported.

Learn More...

Compare Our Credit Card Options

Bravo and Sphere – two 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.

  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
1x
Earn one point for every dollar you spend with no limit
Annual Fee $49 per year (first year fee waived) No annual fee**
Balance transfer APR 0% Intro Annual Percentage Rate for the first 18 months if taken in the first 90 days after account opening, then from 15.74% to 22.74% APR thereafter, depending on your creditworthiness* 0% Intro Annual Percentage Rate for the first 24 months if taken in the first 90 days after account opening, then from 12.74% to 22.74% APR thereafter, depending on your creditworthiness**
Purchase APR depending on your creditworthiness From 15.74% APR to 22.74% APR* 0% Introductory APR, for the first 12 billing cycles of your account opening. After that, 12.74% to 22.74% APR, based on your creditworthiness when you open your account.**
Redeem points for travel, gift cards, or cash back via statement credit Yes Yes
Bonus Offer $100 cash back via statement credit after you spend $1,000 on new net retail purchases in your first 90 days of opening your account N/A
Guide to Benefits MasterCard® Benefits MasterCard® Benefits
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See disclosures below

 

† Accounts must be in good standing. Applies to new net retail purchases only.

‡ No annual fee for customers if you maintain a Santander Select® or Santander Premier Plus Checking account or if you are qualified for a Santander Bank employee checking account at each anniversary date.

§ Please refer to your Online Banking or Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

* 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 15.74% to 22.74% 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. Variable APR for purchases from 15.74% to 22.74% based on your creditworthiness when you open your account.  Cash advance APR of 24.74%.  Minimum finance charge of $1.50.  The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.24%, 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.  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 or Premier Plus checking account or if you are qualified for a Santander Bank employee checking account). Rates effective as of today.

 

Please see the Terms and Conditions for additional rate, fee, and other cost information.

 

** 0% introductory APR for 24 billing cycles on balance transfers made within 90 days of opening your account and 0% introductory APR for 12 billing cycles on purchases. After the introductory period, a variable APR for balance transfers and purchases from 12.74% to 22.74% 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 24.74%.  Minimum finance charge of $1.50.  The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.24%, 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.  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. Rates effective as of today.

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