Visa Credit Card Rates

Interest Rates and Interest ChargesRates Effective: 7/5/2023

SPIRE Visa Platinum Credit Card13.90-17.99% APR*
SPIRE Visa Signature Credit Card17.90-17.99% APR*
Penalty APR and When It AppliesNone.
Minimum Interest ChargeNone.

*APR=Annual Percentage Rate. Introductory Offers on new Visa Signature accounts. 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

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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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