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Santander Sphere Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.74% ‐ 24.74% (0% for the first 18 months)
Balance Transfer
14.74% ‐ 24.74% (0% for the first 18 months)
1 point
Signup Bonus

Informr score
The Santander Sphere Credit Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 4 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Santander Sphere Credit Card is typically available to those with excellent credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

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.

What the Critics Are Saying...


The 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.

- Finder
Bank Deal Guy

Compared 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...

- Hilary Tran, Bank Deal Guy
Doctor Of Credit

The 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...

- William Charles, Doctor Of Credit

If 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...

- Nick Clements, MagnifyMoney


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)
  • Intro rate applies on balances transferred within the first 90 days of account opening.
  • This APR will vary with the market based on the Prime Rate.
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


Sign up bonus No
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
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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