SPIRE Visa Credit Cards

SPIRE Visa® Credit Cards

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

  • .25% Give Back with every purchase.
  • 0% APR* Balance Consolidation for 12 months.1
  • No Annual Fee.
  • Low Annual Percentage Rate (APR)2
  • Free Credit Card Alerts
  • Use your card on Apple Pay & Google Pay with SPIRE Mobile wallet.
  • Minimum 25-Day Interest Grace Period on purchases.
  • 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.
  • Enhanced Security - EMV Chip Technology and our vertical design deters skimmers.
  • Travel & Emergency Assistance - Pre-trip assistance, card & ticket replacement, auto rental insurance, prescription & medical/legal assistance, and lost luggage protection.
  • $1,000,000 Travel Accident Insurance.
  • Credit card payments will be applied first to purchases, then balance transfers (if applicable).

SPIRE Signature Visa Credit Card

Get rewarded with SPIRE's top tier card. Earn unlimited 1.50% cash back on all purchases or one point of every dollar spent redeemable for travel or merchandise.

SPIRE Platinum Visa Credit Card

Perfect for your everyday purchases. Enjoy monthly payments you can afford with this low rate card.

Rates

Interest Rates and Interest ChargesRates Effective: 11/1/2018

SPIRE Visa Platinum Credit Card10.90-17.99% APR*
SPIRE Visa Signature Credit Card14.90-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.

VIEW ALL RATES

*Annual Percentage Rate. Your rate is based on your creditworthiness. After that, your APR will vary with the market based on the Prime Rate.
We use 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 19, 2018. 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.

Truth in Savings Disclosure

Calculate Your Payment

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

Setup Credit Card Alerts

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

Give Back with Every Purchase

SPIRE is proud to give back .25% of every purchase made with your SPIRE Visa Credit card.  You can select which of SPIRE's partner organizations benefits from your purchases.

Learn more about the SPIRE Give Back Program

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:
Visa
PO Box 660493
Dallas, TX 75266-0493
 

EMV Chip Protection

SPIRE Visa Debit cards include EMV/Chip technology that gives you greater fraud protection when you use your card at a chip-activated terminal. The embedded microchip provides extra security by encrypting member data when used at chip-enabled registers.

When you use your card at a chip-activated terminal, the embedded chip 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.

Disclosures

SPIRE Visa Credit Card Agreement & Disclosure
Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your account agreement.
The information about the cost of the card described in the application is accurate as of January 19, 2018. 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.

1The Introductory APR for balance transfers will apply to transactions posted to your account during the first 90 days following the opening of your account; then the standard balance transfer APR applies. The Introductory APR of 0.00% is for a period of 12 billing cycles. After that, 11.15% - 17.99% variable APR, based on your creditworthiness. Any existing balances on SPIRE Credit Union loan or credit card accounts are not eligible for the Introductory APR for balance transfers.

2The APR is subject to change on the first day of the billing cycle quarterly to reflect any change in the Index and will be determined by The Wall Street Journal Prime Rate on the last day of March, June, September, and December of each year as published in The Wall Street Journal “Money Rate’s” table to which we add a margin.

Take the Next Step

Apply Now

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Apply for your SPIRE Visa Credit card online now!
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Call us

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We are here to help.
888.34.SPIRE or 651.215.3500
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Apply in person at your local SPIRE branch.
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