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

Compare Credit Cards

These days there are so many different types of credit cards available, it can be hard to make a decision. That’s why choosing a credit card with the benefits and rewards that are right for you is important. At Santander Bank, we offer three great credit card options – Santander® Ultimate Cash BackSM, Bravo® Credit Card and Sphere® Credit Card.

Choosing A Credit Card

Compare Santander Credit Card Options

Compare our credit cards to find the combination of benefits and rewards you’re looking for.

  Santander ® Ultimate Cash BackSM Sphere ® Bravo ®
Ideal for
customers
who:
Love getting cash back and hate paying annual and transaction fees. Unlimited 1.5% cash back on all your retail 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 net new retail purchases within the first 90 days of opening your account.*
N/A $100 cash back
Earn $100 cash back via statement credit after you spend $1,000 on net new retail purchases within the first 90 days of opening your account.*
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 3x rewards points on supermarket, gas station, and restaurant purchases; up to 15,000 points per calendar quarter; 1x point otherwise.**
Offers Balance Transfer Offer:
3% Introductory APR for 12 billing cycles on balance transfers made within 90 days of opening your account. Normal finance charges thereafter.▲▲▲
Balance Transfer Offer:
0% Introductory APR for 24 billing cycles on balance transfers made within 90 days of opening your account. Normal finance charges thereafter.***

Purchase Offer:
0% Introductory APR for the first 12 billing cycles on purchases. Normal finance charges thereafter.***
Balance Transfer Offer:
0% Introductory APR for 18 billing cycles on balance transfers made within 90 days of opening your account. Normal finance charges thereafter.**
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
  Learn more Learn more Learn more
 

* Bonus Offer Details: Accounts must be in good standing. Applies to net new retail purchases only. Net new retail purchases: qualifying purchases less credits, returns, and adjustments. Balance Transfers, Cash Advances, including purchases of money orders or other cash equivalents, purchases made by or for a business purpose, fees, interest charges, unauthorized/fraudulent transactions, and certain other charges do not earn cash back credit. The cash back balance on your account does not expire for accounts in good standing. Cash Back in the form of statement credit upon your request. Receive the $100 cash back bonus via statement credit: When you spend $500 on net new retail purchases using the Santander® Ultimate Cash BackSM credit card, or when you spend $1,000 on net new retail purchases using the Bravo credit card, within the first 90 days of opening your account. $100 cash back is credited to customer account within 6 weeks after spending requirements are met. Other terms and conditions apply.

▲▲▲ Santander® Ultimate Cash BackSM 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 15.49% to 24.49% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of $0. 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 15.49% to 24.49% based on your creditworthiness when you open your account. Cash advance APR of 25.99%. Minimum finance charge of $1.50. Penalty APR of 30.99%, which may apply indefinitely to your account if you miss payments or otherwise default. There is no annual fee. Rates effective as of 11/01/2017. Rates are subject to change. Late payment fee and finance charges will still apply. 1.5% cash back via statement credit, gift cards or merchandise on net new retail purchases with no limits on how much you can earn. 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. This credit can take up to 6 weeks to be processed. Late payment fee and finance charges will still apply. Credit card accounts are subject to approval.

** Bravo Annual Percentage Rates (APRs) and Fees: 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 16.49% to 23.49%, 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.Variable APR for purchases from 16.49% to 23.49%, based on your creditworthiness when you open your account. Cash advance APR of 25.49%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.99%, 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 nonfinancial 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 11/01/2017. Rates are subject to change. Credit card accounts are subject to approval.

*** Sphere Annual Percentage Rates (APRs) and Fees: 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 13.49% to 23.49%, 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. Cash advance APR of 25.49%. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty APR of 30.99%, 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 nonfinancial institution of either $10 or 4% of the amount of each transaction, whichever is greater. There is no annual fee. Rates effective as of  11/01/2017. Rates are subject to change. Credit card accounts are subject to approval.

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

†† Foreign Transaction Fee: 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.

💧💧 Returned Payment Fee: 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. We may end your introductory APR and apply the Penalty APR if you miss or make a late payment.

💧  Cash Advance Fee: For each Cash Advance that is not a Balance Transfer, we will charge a Cash Advance Fee equal to 5% of the amount of the Cash Advance or $10, whichever is greater.

💧💧💧 Late Payment Fee: 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.

‡‡ Waiver of annual fee: 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.

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