Sphere® Credit Card
Sure, credit cards make spending more convenient, but with Sphere®, also secure and rewarding. Best-in-class security features give you peace of mind. 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. Plus, you can transfer balances from your other cards and enjoy the lowest intro Annual Percentage Rate(APR) on these balances for 24 months if taken within the first 90 days of account opening. 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 introductory period a variable APR for balance transfers from 12.99% to 24.99% based on the Prime Rate and your credit worthiness**.
- Get rewarded for everyday purchases.
Earn one reward point for every dollar spent, with no limits†.
Pay no annual fee.
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†
Earn one point for every dollar you spend with no limit†
|Annual Fee||$49.00 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 15.99% to 24.99% 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 12.99% to 24.99% APR thereafter, depending on your creditworthiness**|
|Purchase APR depending on your creditworthiness||From 15.99% APR to 24.99% APR*||From 12.99% APR to 24.99% 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|
|Open Now||Open Now|
|See disclosures below|