SPIRE Visa Credit Cards

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

Get $200^ when you open a SPIRE Signature Visa Credit card. Plus, enjoy 0% APR* on new purchases and 2.99% APR on balance transfers for 12 months.

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Book an Appointment

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

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.

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Enjoy these and many other benefits
when you open a SPIRE Signature Visa Credit Card

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Get $200^

Spend $1,000 in the first 90 days
and receive $200 in Cash Back Rewards!

Always earn up to 1.5% cash back on all purchases with no cap.

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0% APR* for 12 months

Enjoy 0% APR on new purchases for a year!

This special introductory offer ends June 30, 2023.

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2.99% APR* on Balance Transfers

Move the balance of your other higher-rate card to
SPIRE within the first 90 days and enjoy
2.99% APR* for 12 months.

There is no fee to transfer your credit card balance to SPIRE.

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No Annual Fee

There is no annual fee on any SPIRE Visa Credit card.

You also get free fraud protection and monitoring.

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Build Your Credit with SPIRE

With credit limits starting at $500,
the SPIRE Platinum Visa Credit card is a low-rate
option to help build your credit.


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Give Back with Every Purchase

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

Over $1 million has been donated from SPIRE
member purchases since 2019.

Learn more

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Pay Your Way

Tap, insert, or swipe your contactless card at checkout.

Add your card to your digital wallet and pay with
any device on Apple Pay®, Google Pay, Samsung Pay, Fitbit Pay, or Garmin Pay.

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You're Protected

Enjoy peace of mind with 24-hour fraud protection.
SPIRE monitors your account for suspicious activity
and we may send you fraud alerts if we spot anything unusual.

Shop with confidence with Visa’s Zero Liability Policy+.
Visa’s guarantee that you won't be held responsible
for unauthorized charges made with your account
or account information. You're protected if your Visa Credit
or Debit card is lost, stolen or fraudulently used, online or offline.

In addition to Visa’s identity theft alerts,
​SPIRE provides ID Theft Protection up to $10,000.

Learn more about Visa benefits


Interest Rates and Interest ChargesRates Effective: 4/1/2023

SPIRE Visa Platinum Credit Card13.65-17.99% APR*
SPIRE Visa Signature Credit Card17.65-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.


*APR=Annual Percentage Rate. Introductory Offers on new Visa Signature accounts opened 04.01.23-06.30.23. 0.00% APR on purchases made within 12 months from date of account opening. 2.99% APR on any balance transfer made within 90 days from date of account opening for a period of 12 billing cycles. Balance Transfer Fee is $0.00. After that, your APR will increase and will vary with the market based on the Prime Rate. Current rate(s) are based on the Prime Rate as stated in the Wall Street Journal plus applicable margin in effect on 03.31.2023, were 17.65% or 17.99% . Rate is based on creditworthiness. The APR will never be greater than 18.00%. 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 April 1, 2023. 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.

Additional Visa Signature Benefits

24-hour Visa Signature Concierge Service1 for assistance with booking flights, hotels, ground transportation, event tickets, dinner reservations, and more by calling 800.953.7392.

Receive Roadside Assistance and up to $1,000,000 in Travel Accident Insurance at no cost to you. 

SPIRE provides Mobile Phone Protection when you pay your monthly cellular wireless phone bill with your SPIRE Visa card as well as Porch Piracy Protection up to $1,000 per event, maximum $10,000 annually at no additional cost to you. 

Learn more about Visa benefits

Credit Card Support

For 24-hour support including reporting your card lost or stolen, call 800.447.7140.



Make your payments on SPIRE Digital Banking or mail them to:

PO Box 660493
Dallas, TX 75266-0493


SPIRE Visa Credit Card Agreement & Disclosure

^Cash Back rewards are tracked as points, Earn up to 1.5% for every dollar of NET purchases when points are redeemed for cash back. 13,334 reward bonus points awarded when cardholder makes $1,000 in purchases within 90 days of account opening on a new Visa Signature Credit card opened on or after 11.1.22. Points may be redeemed for cash back or other merchandise. Visit CURewards.com for details. Recipient is responsible for applicable taxes incurred on cash back.

+Visa’s Zero Liability Policy does not apply to certain commercial card and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use. Contact your issuer for more detail.

1SPIRE Visa Signature card cardholders are responsible for the payment of any and all charges associated with any goods, services, reservations or bookings purchased or arranged by the Visa Signature Concierge on cardholders’ behalf. Any such purchases or arrangements are solely between the cardholder and the respective merchant, and Visa is not a party to the transaction. All goods and services subject to availability. See full terms of service at visasignatureconcierge.com.

Benefits Guides

Platinum & Platinum Rewards

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