SPIRE Visa Credit Cards

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

Get 0% APR* for 12 months on purchases and 15,000 bonus rewards points when you open a SPIRE Signature Visa Credit card.

Take the Next Step

Apply Now
Book an Appointment

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 your SPIRE Visa Credit card. 

Rewards & Cash Back & Give Back

^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.

calendar icon

0% APR* for 12 months

Open a new SPIRE Visa Credit card
and enjoy 0% APR on purchases for a year!

This special introductory offer ends September 30, 2022.

celebrate icon

No Annual Fee

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

You also get free fraud protection and monitoring.

transfer icon

$0 Balance Transfer Fee+

Move the balance of your other higher-rate card to SPIRE without a fee.

Current rates will apply on the balance.

SPIRE Signature Visa

image of SPIRE Signature Visa Credit card

Earn 1.5% cash back rewards.^

Gain 15,000 bonus points when you
spend $1,500 on purchases in the first 90 days.

Experience Visa Signature Concierge Service.

SPIRE Platinum Visa

image of SPIRE Platinum Visa Credit Card

Start building your credit
with this low-rate credit card.

$500 minimum credit line.

View rates.

giving icon

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

mobile checkmark icon

Pay Your Way with SPIRE Digital Wallet

Pay with your SPIRE Visa Credit card online or
in-person with Apple Pay, Google Pay, Garmin Pay, or Fitbit Pay.

shield icon

You're Protected

Shop with confidence with Visa’s Zero Liability Policy.
You're protected if your card is lost, stolen,
or fraudulently used, online or offline.

Set balance, transaction, and statement alerts in
SPIRE Digital Banking to help manage your credit.

photo of couple shopping

Additional Features

NortonLifeLock provides you with tools to help keep you informed of threats that may affect your identity.
Cell Phone Coverage.
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).


Interest Rates and Interest ChargesRates Effective: 7/1/2022

SPIRE Visa Platinum Credit Card10.40-17.99% APR*
SPIRE Visa Signature Credit Card14.40-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.


*APR=Annual Percentage Rate. 0.00% APR for 12 months from account opening on purchases available to new Visa Signature accounts opened 7.1.22-9.30.22. 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 6.30.2022. Your rate is based on your creditworthiness. Rates 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)

^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.

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

Scroll to the top