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Sphere® Credit Card

The Sphere® credit card earns you 1 reward point for every dollar spent on all new net retail purchases. Plus, new customers can enjoy a special introductory 0% APR on Balance Transfers.

*See disclosures below

 

There is no grace period on balance transfers. This means that, unless your purchase APR is at a promotional 0% APR, you will pay interest on new purchases from the date made if you take a balance transfer offer and do not pay it in full by the payment due date.

10K Bonus Points ($100 Value)

Receive this bonus when you spend $1,000 on new net retail purchases during the first 90 days after account opening.

Save money. Save time.

• 0% Intro APR on balance transfers for 24 billing cycles if taken in the first 90 days after account opening * See disclosures below.
• Payments can be automatically deducted from your checking account
• Enroll in Online Banking and conveniently manage your account
• Go green. Sign up for paperless statements.  

 

Simple rewards. Simply for you.

• One reward point for every dollar spent on all new net retail purchases
• Points you can redeem for gift cards, travel, or cash back via statement credit
• No limit to the number of points you can earn for accounts in good standing

Triple Security

Here are the three ways we will help keep your money safe along with the tools that help keep you in the know about all of your transactions.

Zero Fraud Liability You won't pay for a single purchase on your Sphere or Bravo credit card that you did not authorize.
24-Hour Account Monitoring We're always on the lookout for transactions that don't seem right, and we'll contact you if we suspect fraud.
Account Transaction Alerts Set and get a text or email for any transaction over a specific amount. You can easily customize alerts to meet your needs.

*After introductory period of 0% APR for 24 billing cycles, variable APR for balance transfers from 12.99% to 24.99% 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 12.99% to 24.99%, based on your creditworthiness when you open your account. Cash advance rate of 24.99% APR. Minimum finance charge of $1.50. The fee for cash advances is $10 or 5%, whichever is greater. Penalty rate of 29.99% 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. This means that, unless your purchase APR is at a promotional 0% APR, you will pay interest on new purchases from the date made if you take a balance transfer offer and do not pay it in full by the payment due date. Please see the Terms and Conditions for additional rate, fee, and other cost information.