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Branches & ATMs Mobile Banking

Routing Number 291075116

13.40% Variable APR*

  • No annual fee
  • Earn rewards points redeemable for 1% cash back, statement credit, travel or merchandise options. (Up to 150,000 points per calendar year)
  • Same great rate for purchases and cash advances
  • Individual credit lines for employees to control how much is spent
  • Travel & Emergency Roadside Assistance
  • $1,000,000 Travel Accident Insurance
  • Extended purchase protection
  • Rental car collision insurance
  • Available for Apple Pay, Android Pay and Samsung Pay
  • 24-hour account access through Visa® online and SPIRE’s mobile app
  • Free Falcon fraud protection
  • Protection from unauthorized charges with Visa®’s Zero Liability Policy

For more information or to apply, please call 651.268.7750 or stop by any SPIRE branch.


Browse rewards options or view your rewards balance.

Contact Visa®

Lost or stolen cards, please call 800.449.7728
24-hour cardholder service, please call 866.820.4947
Mail payments to:
PO Box 660493
Dallas, TX 75266-0493

For more information or to apply, please call 651.268.7750 or stop by any SPIRE branch.

*How do we calculate the variable rate?
The Annual Percentage Rate (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 Prime Rate on the last day of March, June, September and December of each year as published in The Wall Street Journal’s “Money Rates” table to which we add a margin.

How we will calculate your balance?
We use a method called "average daily balance (including new purchases)."  The information about the cost of the card described in the application is accurate as of January 1, 2011. 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


Founded in 1934, SPIRE upholds midwestern values like honesty, integrity and hard work. We strive to make it easy to do business with us and truly care about our members.

Call: 651.215.3500 Routing Number: 291075116