**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. Each Balance Transfer has a transaction fee of either $10, or 3%, whichever is greater. After the introductory period, a variable APR for balance transfers from 17.74% to 24.74% based on the Prime Rate and your creditworthiness. There is no grace period on Balance Transfers. This means that, unless your Purchase APR is at a 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 all statement balances, including the Balance Transfer, in full by the Payment Due Date. Balance Transfers may not be used to pay off or pay down any account issued by Santander Bank, N.A. or another institution’s loan balances or card balances if they do not accept our electronic payments, and are subject to credit availability. Variable APR for purchases from 17.74% to 24.74% based on the Prime Rate and your creditworthiness when you open your account. Cash advance APR of 26.74%. 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. Loss of any introductory or promotional rate, if any, 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 01/02/2019. 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.