WIN $1,000 off your spero credit card balance

Giving Gifts This Holiday Season? We Are, Too!

From November 1, 2021 through December 31, 2021, for every purchase you make with your Spero Credit Card*, you'll receive one (1) entry into a drawing for up to $1,000 off your credit card balance.

Official Contest Rules

Contest Rules

  2. Promotion entries: Automatic Entries: An eligible Spero Financial member with a credit card account in good standing will receive (1) entry each time he/she completes a point-of-sale transaction with his/her Spero Financial credit card during the promotion window. To be deemed eligible, the transaction must post to the credit card account during the promotion period. The promotion is limited to personal use credit card accounts.  Commercial/Business credit cards account transactions, credit card transactions that are discovered to be fraudulent, merchant credits (refunds), cash advances, balance transfers, and advances at an ATM are deemed ineligible.  Manual Entries: Spero Financial members who do not have a credit card and non-members may send an email using the subject line: Credit Card Contest to [email protected] and include your legal name, address, and phone number during the promotion period to be entered for a chance to win.
  3. Promotion Period: Promotion starts at 12:00 am on November 1, 2021 and will end at 11:59 pm on December 31, 2021.  All times are Eastern Time and denote the time we receive your entry.
  4. Number of Entries: Automatic Entries: An eligible Spero member with a credit card account in good standing will receive (1) entry each time he/she completes a point-of-sale transaction with his/her Spero Financial personal credit card during the promotion period. To be deemed eligible, all qualified Spero Financial credit card transactions must have an account posting date that is prior to the end of the Promotion Period. Qualifying transactions made on Saturdays, Sundays, or Holidays will count as automatic entries when posted to the attached personal credit card account during the Promotion Period. Automatic entries must be posted by 11:59:59PM ET on December 31, 2021, to be eligible.  Manual Entries: Manual entries are limited to one per eligible person.
  5. Prize Drawing: Spero Financial will randomly select 3 (three) winners from qualified entries after the promotion period is over. An account credit will be applied to the winner’s credit card balance for $1,000.  The credit will be applied to the same credit card account used for the entry.  If the balance owed on the credit card, on the date we credit the winnings, is less than $1,000, we will pay off the principal balance of the card with the winnings and the remainder of the funds will be applied to your primary share account, whether individually or jointly owned and regardless of whether all borrowers are owners of the share.  If the manual entry is completed by a Spero Financial member, winnings will be deposited into the member’s primary share, whether individually or jointly owned. If the manual entry is performed by an individual that is not a member of Spero Financial, winnings will be provided by a Spero Financial Official Check, which will be available for pick-up at a specified Spero Financial location. The drawings will take place no later than Friday, January 21, 2022. The selection of a prize winner hereunder will be final.  Winner does not have to be present to win.
  6. Eligibility: At the time of the drawing, you must be 18 years of age or older, a U.S. Citizen or U.S. Lawful Permanent Resident, all accounts and loans with Spero Financial must be in good standing, and your Spero Financial credit card account open. All employees and volunteers of Spero Financial and their immediate family members residing in a single household are not eligible.
  7. Void where prohibited by law. All federal, state, and local laws and regulations apply. Prize winners are responsible for all federal, state, local and other taxes or assessments that may be associated with or imposed upon the winner of any prize in this promotion.
  8. By accepting a prize, the winner consents to use of his/her name and photograph or likeness for advertising and promotional services such as the CU’s newsletter, website, Twitter, Facebook, Instagram, etcetera without compensation.  Failure of the entrant to follow the rules of the promotion will void the entry. If the winner refuses to sign a release form within 30 calendar days of the drawing, all prizes will be forfeited.
  9. Release of Claims: All winners, members of any winner’s household, relatives, and persons who use any prize awarded by Spero Financial and such person’s heirs, assigns, executors, and administrators release and exempt Spero Financial and its directors, officers, staff, agents, and volunteers from any and all claims, actions, demands, or damages which they have now or anytime in the future arising from use of any prize, including personal injury or death. Spero Financial is not responsible for lost, late, misdirected, or incomplete entries. Late, misdirected, or incomplete entries will be disqualified.  If prize winnings are deposited to your account with Spero Financial, you understand and agree that anyone authorized to conduct transactions on such account will have unlimited access to the prize funds once the deposit is completed.
  10. Spero Financial will make every attempt to reach the winner using the information we have on file. If we are not able to contact the winner within 10 days of the drawing, the prize will be forfeited.

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