Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
- FinderThe Sphere Credit Card offers a top-of-the-line 0% APR period. A few other products give you a comparable introductory interest rate, but the Sphere Credit Card offers the uncommon perk of rewards. This sweetener gives the card a leg up on the competition.
- Hilary Tran, Bank Deal GuyCompared to other cards, the Santander Sphere Credit Card is lacking in marketable advantages. It does have its merits, however, such as 1X cash back on all purchases, and a hefty period of 0% Intro APR Balance Transfers. The 1X points back is alright, but it is the APR rate that makes this card sta...
- William Charles, Doctor Of CreditThe sign up bonus on this card is only $100, there are a lot of higher cash sign up bonuses out there. This card also earns 1x point on all purchases. It’s not worth considering for the balance transfer option, the balance transfer fee makes it pointless to even consider before even thinking about t...
- Nick Clements, MagnifyMoneyIf you have high interest rate credit card debt, this could be an excellent option to pay off your debt faster. Just make sure you complete your balance transfer as quickly as possible. We also recommend that you set up an automatic payment, so that you always pay on time. If you are 60 days late, y...
Interest Rates | |
---|---|
Regular APR Interest Rate |
14.74% ‐ 24.74% (0% for the first 18 months) This APR will vary with the market based on the Prime Rate. |
Balance Transfer Interest Rate |
14.74% ‐ 24.74% (0% for the first 18 months)
|
Cash Advance Interest Rate |
26.74% This APR will vary with the market based on the Prime Rate. |
Rates & Fees | |
Annual Fee | $0.00 |
Balance Transfer Fee |
4% Minimum of $10 |
Cash Advance Fee |
5% Minimum of $10 |
Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
Over Limit Fee | $0.00 |
Late Payment Fee |
$35.00 Maximum |
Promotions | |
Sign up bonus | No |
Rewards | |
All Purchases | 1 point per $1 spent |
Restaurants | No |
Gas | No |
Groceries | No |
Hotels | No |
Travel | No |
Pharmacy | No |
Bills | No |
Features & Benefits | |
Additional Card Holders | Yes |
Travel Accident Insurance | No |
Car Rental Insurance | No |
Car Rental Discount | No |
Extended Warranty | Yes |
Purchase Protection | No |
Zero Liability | No |
No Foreign Transaction Fees | No |
Emergency Assistance | Yes |
Concierge Service | Yes |
Price Protection | Yes |
Fraud Protection | Yes |
Free Credit Scores | No |
Wireless Payments | Apple Pay |
Virtual Cards | No |
Eligibility | |
Minimum Security Deposit | $0 |
Minimum Age | 18 |
Minimum Personal Income | |
Temporary Residents | No |
More | |
Additional comments | - |
Terms & Conditions | Official Terms & Conditions |
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