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.
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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 650 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.
Service
Service
  • Toll-free number to speak to a Personal Banking Representative.
  • Switch Services team to help if you're moving from another bank.
 
 
 
 

May We Suggest Another Option?

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

§ Available for Checking account customers.

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

* 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.

*** 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 08/01/2017. Rates are subject to change.

▲▲▲ 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 08/01/2017. 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.

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