What is my balance?
8
UpvotesReply
WalletHub
You can check your balance by logging into your online account at: https://www.santanderbank.com/us/personal/credit-cards/sphere or by calling customer service at 877-768-2265. Hope this helps.
Santander Bank Sphere Credit Card
Santander Bank Sphere Credit Card
We're sorry, but the Santander Bank Sphere Credit Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 877-768-2265, Ext.
You can review Santander Bank Sphere Credit Card's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0
Rewards
Earn one reward point for every dollar spent, with no limits.
Points you can redeem for cash, travel or gift cards.
APR on Purchases
0% intro APR for 18 months, 14.74% - 24.74% (V) APR after that
Balance Transfer
0% intro APR for 18 months, 14.74% - 24.74% (V) APR after that
Balance Transfer Fee
WalletHub Review
Santander Bank Sphere Credit Card Pros & Cons
No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
Reports to the three major credit bureaus
No rewards bonus
Balance transfer fee
Foreign fee
Requires excellent credit
Santander Bank Sphere Credit Card's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 26.74% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-PIN |
| max late fee | $35 |
| max overlimit fee | $0 |
| max penalty APR | N/A |
| grace period | 21 days |
0% Intro APR on balance transfers requested within 90 days of account opening.
Online and Mobile Banking
Pay in a simple, secure and convenient way with Apple Pay
Real-Time Fraud Monitoring
Questions & Answers
Can't find what you are looking for? Submit your question about Santander Bank Sphere Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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What's the Santander Bank Sphere signup bonus?
6
UpvotesReply
WalletHub
The Santander Bank Sphere did not carry a signup bonus and is no longer available to new applicants.
What stores or restaurant can I get a gift card for?
5
UpvotesReply
I signed up for this card in Jan 2013 - am I eligible for the 0% APR on purchases?
5
UpvotesReply
Is Santander Sphere Visa or Mastercard?
4
UpvotesReply
WalletHub
The Santander Sphere is a Mastercard, which means you can use it pretty much anywhere in the world that accepts plastic.
Furthermore, you can check out our study to see where Mastercard's benefits rank when it comes to features such as rental car insurance, extended product warranties, price protection...
How can I check the Santander Sphere card points balance?
3
UpvotesReply
Lily Peralta
You can check your Santander Sphere card points balance by signing in to your Online Banking account, or using the Santander Mobile Banking App.
If you would like to talk with a Santander representative to find out, call 877-768-2265.
How can I set up autopay for Santander Bank Sphere?
3
UpvotesReply
Alice Cortez
You can set up autopay for your Santander Bank Sphere card online.
After the initial setup in online banking, you can set up bills to AutoPay. Just select the "AutoPay" option in the Bill Pay Payment Center in online banking.
What's the Santander Bank Sphere credit card credit score requirement?
1
UpvoteReply
WalletHub
The Santander Bank Spher credit card requires a score of at least 750. That means you need to have excellent credit in order to get approved for it.
With that said, Santander will use more than just your score as a metric for approval. Any past negative marks, as...
What is the minimum credit score requirement?
1
UpvoteReply
WalletHub
You need excellent credit -- we suggest a score above 750 -- to be approved for this card and to be able to enjoy its perks and bonuses. Before submitting an application, check your credit score for free on WalletHub. Best of luck!
How can I redeem my Santander Bank Sphere card rewards?
1
UpvoteReply
Robert W Polk
To redeem your Santander Bank Sphere rewards for gift cards, travel perks, or cash back via statement credit, log into your Santander Rewards account here.
Compare The Santander Bank Sphere Credit Card
Purchase Intro APR0% for 18 months
Purchase Intro APR0% for 18 billing cycles
Purchase Intro APR0% for 12 billing cycles
Transfer Intro APR0% for 18 months|Transfer Fee: 4% (min $10)
Transfer Intro APR0% for 18 billing cycles for any balance transfers made in the first 60 days|Transfer Fee: 3%
Transfer Intro APR0% for 12 billing cycles|Transfer Fee: 3% (min $5)
Regular APR14.74% - 24.74% (V)
Regular APR17.49% - 27.49% Variable
Regular APR19.74% - 28.74% (V)
Rewards Rate1 point / $1
Rewards Rate1.5 points / $1
Rewards Rate1 - 4 points / $1
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Santander Bank Sphere Credit Card Reviews
Share your insights and review the Santander Bank Sphere Credit Card
3.3
392 reviews
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5 Star Rating
Verified CustomerOnly but great experiences with Santander throughout the years. Their customer service has consistently top notch run by high end professionals.
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1 Star Rating
My card and earnings are great and, even after having to leave Sovereign for my checking and savings, because the Santander merge made their terms ridiculous, I kept it. After they sent me a chip card, without my desire for it, it hasn't worked in about 90% of retailers I visit, now including online retailers. Do you have any idea how embarrassing it is to be told your card is declined 4 times in a day? That just happened today, all at places I have previously been able to use the same card. I'm done vouching for them!
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1 Star Rating
The card is OK the service and the ability to redeem the rewards is the worse I have seen, when you go to redeem the points they only link there is takes you to another site to apply for another card. Really why would I do that when I can't redeem my rewards for the card I have NOW???!! DO they answer their emails - NO, so you get no assistance - and yes I was nice the 1st, 2nd, 3rd and 4th time - NOW, I am just disgusted with them
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3 Star Rating
This card really isn't any better than any bank card. The Sovereign Bank Sphere Credit Card offers a 2 reward points per dollar system, which is good, but only for 6 months. After the initial 6 month promotion is done, the user will only receive 1 point per dollar spent for the rest of the card's lifetime. Also this card has zero liability for fraud - what the heck? Almost all of my Visas DO offer fraud protection. While it's nice that this card does offer no blackout dates, unlike my Chase Sapphire, my Chase Sapphire also charges a lower interest rate on both APR and Balance Transfers, as well as cash advances. I'd look elsewhere if you wanted a good bank credit card.
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3 Star Rating
The Sovereign Bank Sphere Credit Card is not bad per se, its just not that great. Depending on your credit, you can get a fairly decent APR, the option to transfer a balance, and the points system is fair, and it is very nice that they give you double points for the first 6 months, but there are better options out there. Take for example the Capital One Venture One Card, which I currently have. The APR will most likely be similar, there is also no annual fee, and the late fee and the cash advance fees are all mostly the same. Where the Venture Card excels over the Sphere card is that they offer 0% interest over the first year as well as an additional 10,000 mile bonus reward, which I think is superior to the Sphere bonus. So to reiterate, if you are considering this card, its not bad, but make sure to look at all your other options, I think you can find a card that fits your needs better, and offers you more reward opportunities than the Sphere.
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1 Star Rating
My credit card with Sovereign bank was amazing until they changed it over to Sphere, which is currently the worst credit card I have ever owned. Their representatives are not helpful. Their online banking system does not work very well and does not process payments after which they charge late fees. In other cases the payments are processed twice and there is nothing you can do to stop this except wait for them to take your money then call and ask for them to return it. The points are great but not worth all the trouble associated with the logistics of paying your card payment each month.
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3 Star Rating
I believe Sovereign has really misrepresented this card in their promotion and sign up.
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2 Star Rating
I have had a really hard time connecting with a customer service rep. I have literally been on hold for about 20 minutes and this is not the first time I've tried speaking with a rep. I have not experienced this with any other credit card company.
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Wow, 20 minutes on hold is really unacceptable! Especially given that more and more credit card companies will connect you with a representative by just pressing 0.
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+ 384 users submitted a rating without writing a full review
Review Santander Bank Sphere Credit Card
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Offer last updated: Mar 28th, 2023 at 09:07 ET
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PURCHASE INTRO APR
0% for 18 billing cycles
TRANSFER INTRO APR
0% for 18 billing cycles for any balance transfers made in the first 60 days 3% Transfer Fee
REGULAR APR
17.49% - 27.49% Variable
ANNUAL FEE
$0
MINIMUM CREDIT