santander sphere credit card

Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. The company earns a Trustpilot score of 1.6 out of 5 as of October 2020. We may also receive compensation if you click on certain links posted on our site. Sphere appears to hire independent sales agents and has received multiple complaints about its sales practices. Filed Under: Credit Card Offers. The scoring formula takes into account the type of card being reviewed (such as cash back, travel or balance transfer) and the card's rates, fees, rewards and other features. To make a balance transfer, you’ll need the account number of your existing account. Reader Interactions. The Santander Bank Spher credit card requires a score of at least 750. Bank of America® Premium Rewards® credit card, 0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening. If you still have a balance after that time, however, it’ll accrue interest at an APR between 14.74% to 24.74% variable. This review examines the rates, fees, and other contract terms of a merchant account with Sphere. Just tell us some details and see which card matches your needs most. Input your current credit card balance and interest rate to calculate your potential savings. NerdWallet strives to keep its information accurate and up to date. When evaluating offers, please review the financial institution’s Terms and Conditions. 0% Intro APR on purchases for the first 18 billing cycles of your account opening. It offers checking, savings and money market accounts, certificates of deposit (CDs), mobile and online banking, personal and auto loans, business loans, mortgages, debit and credit cards (Bravo Credit Card, Sphere Credit Card), investments, insurance products, cash management and merchant services as well as corporate and commercial banking. Our partners cannot pay us to guarantee favorable reviews of their products or services. Santander Credit Cards offer a more rewarding experience with great benefits, convenience, and simplicity, Apply for a Bravo or Sphere Credit Card today santanderbank.com Credit Cards - Santander Bravo® Mastercard Sphere Credit Card® Mastercard Santander Credit Card® Ultimate Cash Back® S.A. Credit Card Agreement To ensure that your payment is associated with the correct agreement, please provide your reference number for online payments. Before you decide if the Sphere® Credit Card is right for you, compare other balance transfer credit cards to make sure you’re getting the one that best fits your spending habits and financial needs. You can move your existing balance to another card that offers low or no interest for a period of time. Simply switch on Retailer Offers in Online or Mobile Banking and earn up to 15% cashback with the offers you choose. Santander customers report difficulty opening accounts, signup bonuses that aren’t honored and unresponsive customer support. You can make a balance transfer when you apply for the card. Gives you 1 … Finder.com is an independent comparison platform and You need a credit score of at least 750 for a Santander Bank credit card. The card is also only available to customers in these states: You’ll have a better chance of being approved for this card if you apply with a good to excellent credit score of 670 to 850. We may rely on information that is provided The Santander Sphere ® Credit Card is one of the more affordable cards to carry in your wallet with 0% Intro APR on balance transfers for 24 billing cycles and 0% Intro APR on purchases for the first 12 billing cycles; After the introductory period a variable APR for balance transfers from 12.99% to 22.99% based on the Prime Rate and your credit worthiness. We may receive compensation from our partners for placement of their products or services. If your balance transfer qualifies, you’ll pay a, 0% intro for the first 15 months (then 13.99% to 23.99% variable), This everyday cashback card offers a higher than average welcome offer for no annual fee, letting you earn 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 after you spend $2,000 in the first 6 months. Plus, if you don’t have enough points available for bigger buys like travel, you can still utilize your savings on a smaller scale. Your annual income, source of income and employment information. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. 2. Finder is committed to editorial independence. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Pay by Debit Card; Pay by ACH ; Pay by Mail Payment Addresses ... cashier’s check or money order via regular mail, please make the payment payable to Santander Consumer USA and send it to the address listed on the pay stub attached to the bottom of your monthly statement: We accept mailed money orders, cashier’s checks and personal checks. Does anyone on here have this credit card? Competitive pricing and transparent rates Responsive service and knowledgeable support from a dedicated representative Any past negative marks, as well as … Pays 1.5% cash back on all purchases. We strive to ensure our content is clear and honest. 3. to us. Optional, only if you want us to follow up with you. So how do we make money? In comparison to other credit cards, Santander has greatly increased this 0% APR period, adding to its merit as a credit card. Apply online for a … Just be sure to make your transfer in the first 90 days from account opening if you want to take advantage of the intro APR period. If you are Many negative reviews cite extremely slow customer service, difficulty getting fees reversed and inflexible company policies. Select your state and enter your ZIP code. Santander Credit Cards Santander offers two types of credit cards to their personal banking customers - the Bravo Credit Card and the Sphere Credit Card. Terms apply, see, 0% intro for the first 15 months (then 14.99% to 23.74% variable). That means you must have excellent credit to be considered eligible, but other financial factors (like your current income or existing debts) will also be taken into consideration when the issuer looks at your application. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Sphere is a merchant account provider partnered with a multi-level marketing company called ACN. Please don't interpret the order in which products appear on our Site as any endorsement or recommendation from us. 0% intro for the first 18 months (then 14.74% to 24.74% variable). While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. Santander Online : Santander Bank Sphere Credit Card Login Make A Payment - Apply fast and paperless anytime, anywhere.. Find the low fixed mortgage rates in america. Also it … Pre-qualified offers are not binding. Santander Sphere Credit Card Rate indicated is based on the Sphere Card product and no annual fee The rate of n/a is 16.1% lower than the average 16.1%. Santander Sphere® Credit Card. The Santander Ultimate Cash Back credit card does offer a bonus with this card (although it could change at any time). If you don’t want to, you can request one later. Sphere is also known as SphereCommerce. Best Cash Bonuses and Free Money Promotions – March 2021. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. Balance transfers you make after that time will be subject to an APR of 14.74% to 24.74% variable. Santander touts the Ultimate Cash Back card as “the most straightforward card on the market,” and for customers interested in ease-of-use, it certainly offers that: The card gives you 1.5 percent cash back on every purchase, with no bonus categories to enroll in or keep track of. We may also receive payment if you click on certain links posted on our site. You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances. As used in this Agreement, the words For each transfer, you’ll pay a fee of $10 or 4% of the transaction, whichever is greater. All financial products, shopping products and services are presented without warranty. However, depending on how frequently you apply for new cards, it could also negatively affect your credit score with multiple hard inquiries and by lowering the average age of your credit accounts. We keep our reviews completely factual so you can use them to make better decisions. The Santander Sphere ® Credit Card is one of the more affordable cards to carry in your wallet with 0% Intro APR on balance transfers for 24 billing cycles and 0% Intro APR on purchases for the first 12 billing cycles; After the introductory period a variable APR for balance transfers from 12.99% to 22.99% based on the Prime Rate and your credit worthiness. That means you need to have excellent credit in order to get approved for it. The Sphere® Credit Card is one of the top cards on the market for its excellent intro APR on both purchases and balance transfers. And it does one better than many of its competitors by offering rewards — all while charging no annual fee. My boyfriend is thinking of opening a Santander "Sphere" card. Finally, all Santander credit cards offer generous cashback benefits with selected retailers. The Ultimate Cash Back Credit Card is also the Ultimate in Convenience. Bank of America® Premium Rewards® credit card. A balance transfer card can be useful if you’re paying heavy interest on your current credit card. with the product or service provider and understand the information they provide. This may influence which products we review and write about (and where those products appear on the site), but it in no way affects our recommendations or advice, which are grounded in thousands of hours of research. As long as you pay off the balance within 18 billing cycles, you won’t pay interest on it. Bravo Credit Card. Sphere has received more than 70 complaints. Apply with a good to excellent credit score of 670 or higher. Here are a few other factors that might affect your odds of approval: Santander Bank is not accredited with the Better Business Bureau, but it earns an A rating from the agency as of October 2020. This is an introductory APR. Disclaimer: NerdWallet strives to keep its information accurate and up to date. Santander World Elite™ Mastercard® Access to over 1000 airport lounges and over 1 million Wi-Fi hotspots worldwide No foreign transaction fees on purchases made abroad in the local currency 24/7 concierge service, cashback on everyday spend and much more finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. 32 East 31st Street, 4th Floor, Pre-qualified offers are not binding. Earn one point for every dollar you spend with no limit. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software. You can earn unlimited points, and they don’t expire. Leave a Reply Cancel reply. Yes No. Do you want to leave the page? Santander Launches New Credit Card Offering A Rewards Program As Generous As It Is Easy To Use Bravo Offers Triple Points on Gas, Groceries and Restaurants. It offers an excellent intro APR on both purchases and balance transfers, which can be a godsend if you’re struggling with debt or preparing to make a major purchase. Unlike its closest competitors, it also offers rewards — a nice sweetener if you’re on the fence between a few cards. News provided by. This card isn't available on Finder right now. If you’re unsure whether your balance transfer will qualify for the introductory APR, contact Santander support. With that said, Santander will use more than just your score as a metric for approval. New York, NY, 10016. information service that aims to provide you with information to help you make better decisions. Sphere® Credit Card Get rewarded for everyday purchases - earn one rewards point for every dollar spent, with no limits Bank online with the confidence of Santander Protechtion, using digital controls for … With this card, you have a chance to receive a … Required fields are marked * Comment. Ready to cash in? You have unsaved changes. Santander Bank, N. A. Santander Bank offers a 0% intro APR for 18 billing cycles following your account opening, but only on transfers you make within the first 90 days of card membership. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. Santander … For a card with a market-leading intro APR, the Sphere® Credit Card is a top choice. Santander has pushed the boundaries of credit cards by offering a 0% APR balance transfer rate for 2 years with the Santander Sphere Credit Card. Covering the cost of a meal here and there with credit card rewards may seem like smaller savings than booking a flight, but they can add up quickly. You can apply for a credit card online in minutes with Santander – without ever visiting a branch. Here is a list of our partners. BOSTON, Jan. 13, 2012 /PRNewswire/ -- Sovereign Bank, a wholly owned subsidiary of Banco Santander, announced the launch of Sphere(SM), the new Sovereign Visa Signature Credit Card. The Sphere Credit Card earns you 1 point for every dollar spent where as the Bravo Credit Card triple points on gas station, supermarket and restaurant purchases and one point per dollar on all other purchases. Your email address will not be published. Sign-In NerdWallet's ratings are determined by our editorial team. When evaluating offers, please review the financial institution’s Terms and Conditions. Having multiple credit cards can also benefit your credit score by lowering your utilization ratio, as long as you maintain little to no balance on each card. Sphere delivers full service merchant processing that serves businesses of all sizes. Get this card if you want a market-leading intro APR with rewards. NerdWallet rating NerdWallet rating NerdWallet rating Apply Now. At Finder, we value and respect our editorial independence. FTC's website on credit . General; Certain Definitions. Santander offers three different credit cards: Santander Ultimate Cash Back Credit Card. We believe everyone should be able to make financial decisions with confidence. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion® directly. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. Keep track of your balance transfer details. You’re more likely to qualify for a low APR if you have a good credit score of 670 or higher. To ensure you have the most up to date information, you should verify relevant information BankAmericard® credit card. Name * Email * Primary Sidebar. And while our site doesn’t feature every company or financial product available on the market, we’re proud that the guidance we offer, the information we provide and the tools we create are objective, independent, straightforward — and free. Property and Casualty insurance services offered through NerdWallet Insurance Services, Inc.: Licenses, NerdWallet Compare, Inc. NMLS ID# 1617539, NMLS Consumer AccessLicenses and Disclosures, California: California Finance Lender loans arranged pursuant to Department of Financial Protection and Innovation Finance Lenders License #60DBO-74812, See all small business checking account reviews, What you need to open a business bank account. You’ll also need personal information like your income, employment details and Social Security number. Complete the application with details like your name, address, annual income and Social Security number. To apply for the Sphere® Credit Card, you must be at least 18 years old. 0% Intro Annual Percentage Rate on balance transfers for 18 billing cycles if taken within 90 days of account opening. Other credit card options from Santander Bank include the Santander Bravo Credit Card and the Santander Sphere Credit Card. We may receive payment from our affiliates for featured placement of their products or services. Finder.com LLC. We make credit card processing simple and affordable. Our partners compensate us. Visit your Santander Bank online banking profile to redeem credit card points. Select your state and enter your ZIP code. All financial products, shopping products and services are presented without warranty. This can help you pay off your debt faster and more cheaply. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. This Agreement governs the terms of your credit card or other access device or number (the “Card”) issued by Santander Bank, N.A., a national bank headquartered in Delaware (the “Bank”), and the related account (the “Account”). Pick something else if you want stronger rewards. While. If this sparks an interest, keep reading to find out more. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Apply Now. Keep track of the balance transfer time limits. The bank teller told him he should be able to transfer all $8000 from his other credit card to this one, with 0% APR for two years. On the Santander website, find the Sphere® Credit Card and click. This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining. Currently, 88% of its reviews are negative and it has over 200 customer complaints. This information may be different than what you see when you visit a financial institution, service provider or specific product’s site. How to apply for the Sphere® Credit Card On the Santander website, find the Sphere® Credit Card and click Apply now. 10% annual introductory rate (APR) for 12 settlement cycles within 90 days of opening your account and 0% INTRODUCTION-APR … Does anyone on here have this credit card? Complete the application with details like your name, address, annual income and Social Security number. Why should I get a balance transfer card? PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, Blue Cash Everyday® Card from American Express, compare other balance transfer credit cards, paying heavy interest on your current credit card. Apply fast and paperless anytime, anywhere. Mobile payments. unsure, you should get independent advice before you apply for any product or commit to any plan. `` Sphere '' card you see when you visit a financial institution, provider. Apr, the offers that appear on our site intro APR with rewards a credit score information... 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Examines the rates, fees, and other contract terms of a merchant account Sphere... Off the balance within 18 billing cycles of your account opening when you visit a financial institution s. Apply for a credit score or information from your credit report, contact. Aims to provide you with the offers you choose its competitors by offering rewards — all while charging no fee! Of 1.6 out of 5 as of October 2020 other options available to you than the products providers! Honored and unresponsive customer support currently, 88 % of the top cards the! A bonus with this card is a registered trademark of Hive Empire Pty,! Least 750 for a Santander Bank credit card keep our reviews our reviews endorsement or recommendation us! Your balance transfer, you must be at least 18 years old weekly newsletter the. On balance transfers the rates, fees, and they don ’ t expire, 4th,! Tell us some details and see which card matches your needs most October 2020 which finder.com receives compensation to your. It … Sphere is a merchant account with Sphere heavy interest on it report opening. No interest for a credit card and the Santander website, find the Sphere® card! Partnered with a multi-level marketing company called ACN provide you with the tools you need a credit card a! Within 90 days of account opening offers, please contact TransUnion® directly report, please TransUnion®! — a nice sweetener if you find discrepancies with your credit report, please contact directly... Bank include the Santander website, find the Sphere® credit card your balance card! The Santander Ultimate Cash Back credit card charging no annual fee paying heavy interest on your current card! Score of at least 18 years old our partners for placement of their products services! If taken within 90 days of account opening does one better than many of competitors... Annual fee, NY, 10016 must be at least 18 years old %! Of a merchant account provider partnered with a good to excellent credit in order to get for! With rewards offers rewards — a nice sweetener if you are unsure, you ’ ll need the number. Banking and earn up to date website, find the Sphere® credit card and the Santander website, find Sphere®. Your current credit card t want to, you won ’ t honored and unresponsive customer.! And balance transfers for 18 billing cycles if taken within 90 days of account opening the first months! Taken within 90 days of account opening interpret the order, position or placement of product information it... Transfer will qualify for a low APR if you don ’ t.. Transfer, you can apply for a card with a multi-level marketing company called ACN better decisions,..., contact Santander support useful if you have a good to excellent in... Mobile banking and earn up to 15 % cashback with the tools you need to make financial decisions with.. A Trustpilot score of 1.6 out of 5 as of October 2020 to 24.74 % variable position placement... To provide you with the tools you need a credit card does offer a with! — all while charging no annual fee how to apply for the Sphere® credit card n't! Pay us to follow up with you % intro for the first 15 months then... An independent comparison platform and information service that aims to provide you with the offers that appear this... Earn one point for every dollar you spend with no limit won ’ t pay interest on your current card... On Retailer offers in online or Mobile banking and earn up to date and to. To ensure our content is clear and honest like your income, of! From companies from which finder.com receives compensation of product information, it also offers rewards all. Hive Empire Pty Ltd, and is used under license by finder.com LLC for transfer! Optional, only if you want us to guarantee favorable reviews of their products or services institution, provider. 14.74 % to 24.74 % variable has over 200 customer complaints online in minutes with –! Service that aims to provide you with information to help you pay off your debt faster and more.. Transfer card can be useful if you don ’ t want to, you can earn unlimited,. Any time ) better than many of its reviews are negative and does. Address, annual income and employment information to 24.74 % variable market-leading intro APR on purchases the. Of its competitors by offering rewards — a nice sweetener if you want to...

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