SPIRE Visa Credit Cards

Enjoy convenience and great benefits with your SPIRE Visa® Credit card.

Mobile Wallet

Pay online or in-person with Apple Pay, Garmin Pay, Fitbit Pay, or Google Pay from your mobile device.
SPIRE Mobile App


SPIRE donates .25% of every purchase on your behalf to causes that improve lives.
More About Giving Back


Get transaction texts or push notifications to your mobile device and enjoy the peace of mind of Visa's Zero Liability Policy.
More on Protections

SPIRE Signature Visa

image of SPIRE Signature Visa Credit card

0% APR for 12 months on purchases introductory offer.*
No annual fee.
$0 Balance transfer fee, current rates apply.+
Personal identity theft protection up to $10,000.
Porch Piracy Protection.
Visa Signature Concierge.
1.5% cash back.^
Merchandise and travel rewards.
Earn 15,000 bonus points.

SPIRE Platinum Visa

image of SPIRE Platinum Visa Credit Card

0% APR for 12 months on purchases introductory offer.*
No annual fee.
$0 Balance transfer fee, current rates apply.+


Take the Next Step


We believe SPIRE is more than a financial institution. Our Core Purpose is to improve lives and we want to be a partner in life with you.

Get cash back while giving back with a SPIRE Visa Credit card. 

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Book an Appointment

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Additional Features

Free card monitoring texts, push or email notifications.
Make purchases on Apple Pay or Google Pay with SPIRE Mobile wallet.
Free Fraud Protection & Monitoring.
Visa's Zero Liability Policy - You won't be held responsible for unauthorized charges made with your account or account information.
NortonLifeLock provides you with tools to help keep you informed of threats that may affect your identity.
Cell Phone Coverage.
Enhanced Security.
Optional Life Protection.
Roadside Assistance.
Travel & Accident Insurance with Baggage Coverage.
Travel & Emergency Assistance.
Credit card payments will be applied first to purchases, then balance transfers (if applicable).

Give Back with Every Purchase

Incorporating our Core Action to give back, SPIRE is proud to donate .25% of every purchase made with your SPIRE Visa Credit card to causes that improve lives. 

Animals | Cancer | Child Wellness | Community Outreach | Financial Education | Homelessness | Hunger | Veterans

Learn about the SPIRE Give Back Program

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Your SPIRE Credit Card is Protected

EMV Chip Protection

SPIRE Visa cards include EMV/Chip technology that gives you greater fraud protection when you use your card at a chip-activated terminal. The embedded microchip generates a one-time use code while encrypting your personal data. This code is virtually impossible to counterfeit and helps reduce in-store fraud.

Additional Fraud Protection

With Visa’s Zero Liability Policy, you aren’t held responsible for unauthorized charges made with your account.

We recommend regularly monitoring your account and registering your Visa card for online purchases for an added level of security. Never share your account information or PIN with anyone.

Calculate Your Payment

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Find out how quickly you can pay off your credit card.

Set up Credit Card Alerts

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Set up real-time alerts to avoid fraud and easily manage your finances.


Interest Rates and Interest ChargesRates Effective: 4/17/2020

SPIRE Visa Platinum Credit Card8.900-17.99% APR*
SPIRE Visa Signature Credit Card12.90-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.


*Annual Percentage Rate. ​0.00% APR for 12 months from account opening on purchases available to new Visa Signature accounts opened 1.1.21-12.31.21. After that, your APR will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate plus applicable margin as stated in the Wall Street Journal in effect on 12.31.2020.Your rate is based on your creditworthiness. Please refer to the Credit Card Account Opening Disclosure you received for information regarding your APR. We calculate your balance by using a method called average daily balance (including new purchases).
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay the balance by the due date each month.
The information about the cost of the card described in the application is accurate as of January 1, 2021. This information may have changed after that date. To find out what may have changed, call us at 651.215.3500 or write us at 2025 Larpenteur Ave W., Falcon Heights, MN 55113
See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for more information.
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

For Your Information

Credit card lost or stolen?

Please call 1.800.449.7728 immediately to report your card. This service is available 24 hours a day.

Credit Card Support & Payments

Please call 866.820.4947.  This service is available 24 hours a day.
Make your payments online or mail them to:
PO Box 660493
Dallas, TX 75266-0493


SPIRE Visa Credit Card Agreement & Disclosure

+Current rates apply. Existing balances on SPIRE loans or credit cards are not eligible)

^Earn 1.5 reward points for every dollar spent on purchases. See Visa Revolving Card Agreement and Disclosure Statement and CURewards Program rules for additional information.

15,000 reward bonus points awarded when cardholder makes $1,500 in purchases on new Visa Signature Credit card within 90 days of account opening and may be redeemed for cash back or other merchandise. Recipient is responsible for applicable taxes incurred on cash back.

Benefits Guides

Platinum & Platinum Rewards

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