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Bravo® Credit Card review

Last updated:  

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

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?

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 August 2018, nearly 90% 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 1.4 out of 10. 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 Everyday® Card from American Express
$200 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Blue Cash Preferred® Card from American Express
$300 after spending $3,000 in the first 6 months (Offer expires 12/10/2020)
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
$0 intro annual fee for the first year ($95 thereafter)
Perfect for families: Get up to 6% on everyday purchases and a welcome offer worth $300. This heavy-hitter rewards card has uncontested value. Rates & fees
Chase Sapphire Preferred® Card
80,000 points after spending $4,000 in the first 3 months, a value of up to $1,000 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Earn a huge signup bonus worth $$1,000 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.

Compare up to 4 providers

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


Expert review

Kevin Joey Chen

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,, Lifehacker and 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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