Celebrate no annual fees with the Sphere credit card from Santander Bank.

Sphere® Credit Card

Sure, credit cards make spending more convenient. But with the Sphere Credit card, spending also becomes secure and rewarding. You can transfer balances from your other cards and enjoy the 0% introductory Annual Percentage Rate (APR) on these balances for 24 billing cycles if taken within the first 90 days of account opening. The Sphere Credit Card has no annual fee***, and every dollar you spend earns you one reward point points that you can turn into gift cards, travel perks, or cash back via statement credit. Plus, security features that give you peace of mind. Sphere really is a credit card you can count on and like all Santander cards, Sphere works with Apple Pay.

Apply at any Santander Bank branch: Use our branch locator to find one near you or call us at 1.877.768.2265.

Sphere Credit Card Features

Rewards

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

No Fee

Pay no annual fee***.

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***.

Bonus offer

Purchases Enjoy 0% Introductory APR, for the first 12 billing cycles of your account opening.**

Benefits of Banking with Us
Convenience
Convenience
  • Over 675 branches and more than 2,000 Santander ATMs across the Northeast, including many CVS/pharmacy® locations.
  • Online and Mobile Banking.
  • Pay in a simple, secure and convenient way with Apple Pay.
  • Mobile Check Deposit.
  • A Debit MasterCard® for your everyday on–the–run purchases§.
  • Monitor your balances or activity with customizable alerts.
Security
Security
  • FDIC Insurance coverage up to applicable limits.
  • Online Banking Guarantee§§.
  • Real-Time Fraud Monitoring.
  • Identity Theft Assistance Services.
Service
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 credit card options from Santander Bank. Compare to find the combination of benefits and rewards that's right for you, and learn how to apply for a credit card today.

See disclosures below

  Bravo® Credit Card Sphere® Credit 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 15.99% to 22.99% 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 22.99% APR thereafter, depending on your creditworthiness***
Purchase APR depending on your creditworthiness From 15.99% APR to 22.99% APR** From 12.99% to 22.99% APR***
Redeem points for travel, gift cards, or cash back via statement credit Yes Yes
Bonus Offer $100 cash back via statement credit after you spend $1,000 on new net retail purchases in your first 90 days of opening your account.* N/A
Guide to Benefits MasterCard® Benefits MasterCard® Benefits
  Learn More Learn More

May We Suggest Another Option?

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

 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.

§ Please refer to your Online Banking or Personal Deposit Account Agreement for details on your responsibility for promptly reporting unauthorized transactions.

*Receive this bonus via statement credit when you spend $1,000 on new net retail purchases (qualifying purchases less credits, returns, and adjustments) within the first 90 days of opening your account. We will credit 10,000 reward points to your account within 6 weeks after spending requirements are met.

**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 25.49% 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 25.49% 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 30.49%, 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 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 Select® or Premier Plus checking account or if you are qualified for a Santander Bank employee checking account). Rates effective as of 01/23/2017. Rates are subject to change.

Please see the Terms and Conditions for additional rate, fee, and other cost information.

*** 0% introductory 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 13.49% to 25.49% 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. Variable APR for purchases from 13.49% to 25.49% 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 30.49%, 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 non-financial institution of either $10 or 4% of the amount of each transaction, whichever is greater. There is no annual fee. Rates effective as of 01/23/2017. Rates are subject to change.

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

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