Sphere Credit Card

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Sphere® Credit Card

Sure, credit cards make spending more convenient, but with Sphere, also secure and rewarding. You can transfer balances from your other cards and enjoy the low introductory Annual Percentage Rate (APR) on these balances for 24 months if taken within the first 90 days of account opening. No annual fee** and every dollar you spend on your Sphere card earns you one reward point - points that you can turn into gift cards, travel perks, or cash back via statement credit. Plus, best-in-class security features give you peace of mind. Sphere really is a card you can count on.

  • No annual fee**.
  • 0% Intro Annual Percentage Rate 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 13.24% to 25.24% based on the Prime Rate and your credit worthiness.
  • Get rewarded for everyday purchases.

Useful Links and Documents

Sphere Credit Card Features

Rewards

Rewards

Earn one reward point for every dollar spent, with no limits.

No Fee

No fee

Pay no annual fee.

Balance Transfers Introductory Rate

0% Intro APR

Balance Transfers

Enjoy 24 months of 0% Introductory Annual Percentage Rate (APR) financing on balances transferred from another card within the first 90 days after you open the account**.

See disclosures below.

Bonus Offer

Bonus offer

Earn 10,000 bonus points after you spend $1,000 on new net retail purchases in your first 90 days of opening your account**.
See disclosures below

Benefits of Banking with Us
Convenience
  • Over 650 branches and 2,000 Santander ATMs across the Northeast, including one in many CVS locations.
  • Customizable email alerts, text alerts coming soon.
  • Online and Mobile Banking.
  • Mobile Check Deposit.
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§.
  • Real-Time Fraud Monitoring.
  • Identity Theft Assistance Services.
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.
Compare Our Credit Cards

Bravo and Sphere – two great card options. Compare to find the combination of benefits and rewards that's right for you.

  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 16.24% to 25.24% 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 13.24% to 25.24% APR thereafter, depending on your creditworthiness**
Purchase APR depending on your creditworthiness From 16.24% APR to 25.24% APR* From 13.24% APR to 25.24% APR**
Redeem points for travel, gift cards, or cash back via statement credit Yes Yes
Bonus Offer Earn 10,000 bonus points after you spend $1,000 on new net retail purchases in your first 90 days of opening your account Earn 10,000 bonus points after you spend $1,000 on new net retail purchases in your first 90 days of opening your account
Guide to Benefits MasterCard® Benefits MasterCard® Benefits
  Learn More Learn More
  Apply Now Apply Now
See disclosures below

May We Suggest Another Option?
Bravo Credit Card

Bravo® Credit Card

Earn up to triple points on the most common everyday purchases.

  • 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 16.24% to 25.24% based on the Prime Rate and your creditworthiness.
  • Earn 10,000 bonus points 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.

Learn More...

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

‡ No annual fee for customers if you maintain a Santander SelectSM 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% Intro 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 16.24% to 25.24% 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 16.24% to 25.24%, based on your creditworthiness when you open your account. Cash advance rate of 25.24% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 30.24% 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 or Santander Premier Plus 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.

** 0% Intro APR for 24 billing cycles on balance transfers made within 90 days of opening your account. After the introductory period a variable APR for balance transfers from 13.24%% to 25.24% based on the Prime Rate and your creditworthiness, with a transaction fee for each balance transfer of either $10 or 4%, whichever is greater. Variable APR for purchases from 13.24%% to 25.24%, based on your creditworthiness when you open your account. Cash advance rate of 25.24% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 30.24% 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. There is no annual fee. 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.

Click here for more information about our Identity Theft Assistance Services.

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

¿ 0% Intro 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 16.24% to 25.24% 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 16.24% to 25.24%, based on your creditworthiness when you open your account. Cash advance rate of 25.24% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 30.24% 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 or Santander Premier Plus 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.