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Bravo® Credit Card review

Please note: This card has been discontinued, and it is not available on our site.

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How to apply for the Bravo® Credit Card

  1. On the Santander website, click Apply now.
  2. Select your state and enter your ZIP code.
  3. Complete the application with details like your name, address, annual income and Social Security number.
  4. Review and submit your application.

How long will it take to get my Bravo Credit Card?

Since conditional credit card approval is automated on the website, you may get a decision immediately. If there are issues with your application, it may take a few days to a few weeks to hear back. After you’re approved, you’ll typically receive your card within seven to 10 business days.

The perks

  • Rewards: More for everyday purchases. Earn 3x rewards points on gas, groceries and dining, for a total of 15,000 points per calendar quarter. Earn 1x points on all other purchases. The card is most useful if you’re a moderate spender, as you’ll earn accelerated rewards on up to $5,000 in gas, grocery and dining purchases per quarter. You can redeem points for a variety of rewards, such as cash back, charitable donations, travel, gift cards and merchandise.
  • Intro APR: 0% on balance transfers for 18 billing cycles. After that, your balance transfer APR will be 17.49% to 24.49% variable. The intro APR applies to balance transfers you make within the first 90 days of opening your account. This is an excellent intro APR for balance transfers and one of the longest promotions you’ll find.

You’ll also like…

  • Santander Instant Card Hold. If you misplace your card, you can freeze your account with Santander Instant Card Hold. This prevents unauthorized transactions on your card while you locate it.

What to watch out for

  • Annual fee. Starting the second year, you’ll pay a $49 annual fee. It’s a lower annual fee than you’ll pay with similar cards. Still, consider whether you’ll earn enough rewards points to make the fee worth paying.
  • Penalty APR. If you make a late or returned payment, Santander may apply a steep 31.99% variable APR to all of your balances. This rate will apply indefinitely until you make six consecutive months of on-time payments.

How does a balance transfer work with this card?

  1. Apply for the card.
    You can make a balance transfer when you open your credit card. If you don’t want to, you can request one later. To make a balance transfer, you’ll need the account number of your existing balance as well as personal information like your income, employment details and Social Security number.

    For each transfer, you’ll pay a fee of $10 or 3% of the transaction, whichever is greater.

  2. Keep track of balance transfer time limits.
    Santander Bank offers a 0% intro APR for 18 billing cycles, but only on transfers you make within the first 90 days of opening your card. Balance transfers you make after that time will be subject to an APR between 17.49% and 24.49% variable.

    If you’re unsure whether your balance transfer will qualify for the introductory APR, contact Santander support.

  3. Keep track of your balance transfer details.
    If your balance transfer qualifies, you’ll pay a 0% intro APR on the balance for 18 billing cycles.

    As long as you pay off the balance within 18 billing cycles, you won’t pay interest on it. If you still have a balance after that time, however, it’ll accrue interest at an APR between 17.49% and 24.49% variable.

  4. How does an intro APR work?

    What should I know before I apply?

    To apply for the Bravo® Credit Card, you must be at least 18 years old. The card is only available to customers in these states:

    • Connecticut
    • District of Columbia
    • Delaware
    • Maine
    • Maryland
    • Massachusetts
    • New Hampshire
    • New Jersey
    • New York
    • Pennsylvania
    • Rhode Island
    • Vermont

    Information you’ll need

  • Full name and contact information
  • Residential status
  • Annual income, source of income and employment information
  • Social Security number

What credit score do I need?

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.
Here are a few other factors that might affect your odds of approval:

  • Hard pulls on your credit report. If you have several hard inquiries — or hard pulls — on your report, it could imply you’re having trouble managing your debt. Santander might think you’re desperate for credit and may be less likely to take you on as a customer.
  • Factors that tie into your credit score. Your credit utilization is a major factor that Santander considers. The bank prefers a customer with low balances relative to their credit limit. Having many new card accounts may be a red flag, too, as it could indicate you’re desperate for credit.

What’s a good credit score?

Bravo® Credit Card reviews and complaints

Santander Bank is not accredited with the Better Business Bureau, but it earns an A rating from the agency as of October 2020. Currently, 88% of its reviews are negative and it has over 200 customer complaints. Santander customers report difficulty opening accounts, signup bonuses that aren’t honored and unresponsive customer support.

The company earns a Trustpilot score of 1.6 out of 5 as of October 2020. Many negative reviews cite extremely slow customer service, difficulty getting fees reversed and inflexible company policies.

I got the card. Now what?

  • Make on-time payments. Register for an account on the Santander website to pay your balance online. You can also enroll in autopay.
  • Avoid the penalty APR. If you make a late or returned payment, Santander may assess a penalty APR of 31.99% variable to all of your balances.
  • Avoid fees. For each late or returned payment, you’ll incur a fee of up to $35.
  • Contact customer service. If you have questions about your account, call the number on the back of your card. Alternatively, call 877-768-2265 to speak with a representative.

Compare other rewards credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Preferred® Card from American Express
Up to $350: 20% back on Amazon.com purchases in the first 6 months for up to $200 back, plus $150 statement credit after you spend $3,000 in the first 6 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases (redeem as statement credit)
$0 intro annual fee for the first year ($95 thereafter)
Earn up to $350. In your first 6 months, you can earn a $150 statement credit when you spend $3,000, and earn 20% back on Amazon purchases made with your card, up to $200 total. Having 6 months to earn a welcome offer is a rare benefit as most cards give you only 3. Terms apply, see rates & fees
Blue Cash Everyday® Card from American Express
Up to $250: 20% back on Amazon.com purchases in the first 6 months for up to $150 back, plus $100 statement credit after spending $2,000 within the first 6 months
3% at US supermarkets on up to $6,000 per year (then 1%), 2% at US gas stations and select US department stores and 1% on all other purchases (redeem as statement credit)
$0
Earn up to $250. You'll get 20% back on Amazon.com purchases in the first six months for up to $150 back, and $100 after you spend $2,000 in the first six months. This is a higher-than-average welcome offer for a card with no annual fee. Terms apply, see rates & fees
Chase Sapphire Preferred® Card
100,000 points after spending $4,000 in the first 3 months. That's $1,250 when you redeem through Chase Ultimate Rewards®
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95

Up to $1,250 signup bonus

Earn a massive signup bonus of 100,000 points with this popular travel card. That's worth up to $1,250!
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Bottom line

The Bravo® Credit Card offers competitive rewards in everyday categories. It’s an optimal pick if you spend less than $5,000 on gas, groceries and dining each quarter.

If you’re not sure the Bravo Credit Card is right for you, compare the best credit cards on the market.

Frequently asked questions

  • How do I qualify for a low APR?
    You’re more likely to qualify for a low APR if you have a good credit score of 670 or higher.
  • Why should I get a balance transfer card?
    A balance transfer card can be useful if you’re paying heavy interest on your current credit card. You can move your existing balance to another card that offers low or no interest for a period of time. This can help you pay off your debt faster and more cheaply.
    How do balance transfers work?
  • Are points capped, and do they expire?
    No. You can earn unlimited points and they don’t expire.

Images: santanderbank.com

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Review by


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. 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.

Expert review

The Bravo® Credit Card is a strong product for everyday purchases, offering rewards on gas, groceries and dining. If you spend $5,000 or less in these categories each quarter, you’ll consistently benefit from the card’s accelerated rewards.

You’ll also appreciate this card if you’re looking for a strong balance transfer promotion. With a 0% intro APR on balance transfers for 18 billing cycles, the Bravo® Credit Card offers a powerful incentive to switch to Santander. After that period is up, your APR will be between 17.49% to 24.49% variable.

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