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Bravo® Credit Card

Special Offer! - 10,000 bonus points (a $100 value!) when you spend $1,000 on new net retail purchases during the first 90 days of opening your account. Plus, the Bravo credit card earns you triple points on gas station, supermarket, and restaurant purchases (up to 15,000 points per calendar quarter) and one point per dollar spent on all other purchases. Annual fee is waived for the first year – a $49 value.

See disclosures below.

10K Bonus Points ($100 Value)

Receive this bonus when you spend $1,000 on new net retail purchases during the first 90 days after account opening.

Triple Points

Get 3 Points per dollar spent on gas station, supermarket and restaurant purchases—up to 15,000 points per calendar quarter— and still receive one point per dollar on all other new net retail purchases.

Special Intro Rate on Balance Transfers

0% Intro Annual Percentage Rate(APR) for the first 18 billing cycles on balance transfers made during the first 90 days after account opening. See disclosures below.

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.

 

 

Triple Security

Here are the three ways we will help keep your money safe along with the tools that help keep you in the know about all of your transactions.

Zero Fraud Liability You won't pay for a single purchase on your Sphere or Bravo credit card that you did not authorize.
24-Hour Account Monitoring We're always on the lookout for transactions that don't seem right, and we'll contact you if we suspect fraud.
Account Transaction Alerts Set and get a text or email for any transaction over a specific amount. You can easily customize alerts to meet your needs.

How many points can you earn with the Bravo card?

† 0% APR for 18 billing cycles on balance transfers made within 90 days of opening your account. After introductory period a 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 SelectSM checking account or if you are qualified for a Santander® Bank employee checking account). 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. Rates are effective as of today. Please see the Terms and Conditions for additional rate, fee, and other cost information.