Choose Your Card. Win Your Way.
Pay less interest. Get more back. The Spero Classic and Platinum credit cards are built around your life. No annual fee. No runaround. Just honest perks for your everyday life.
Classic Credit Card
Low Rates. Less Stress.
Every payment goes further with a rate that starts at 13.40% APR. Less interest, more progress. That's Winning Everyday.
Platinum Credit Card
More Options. More Rewards.
Earn cash back on everything you already buy — groceries, gas, all of it. A rate as low as 15.40% APR means you keep more of what you earn.
This Is What Winning Looks Like
The numbers below show how we help you keep more money in your pocket.
Which card works best for you?
Good news! There’s no wrong choice. Pay less or earn more — you win either way.
Low rate. Less stress.
Classic Credit Card
The less you pay in interest, the more you keep for yourself. Simple as that.
- Current APR: 13.40% - 18.00%
- 0% intro APR for 6 months
- No annual fee
- Balance transfer fee: 2.5% for 6 months (max $125), then $0
The Experience
- Digital card typically available same day upon approval
- Lock or unlock instantly
- Real-time purchase alerts
- Apple Pay, Google Pay, and more
- Fraud monitoring and Visa Zero Liability protection
more options. more rewards.
Platinum Credit Card
Every purchase puts money back in your pocket. Yes, every single one.
- Current APR: 15.40% - 18.00%
- 0% intro APR for 6 months
- No annual fee
- 1% cash back on every purchase
- Earn up to $250 back in your first 90 days
- Balance transfer fee: 2.5% for 6 months (max $125), then $0
The Experience
- Digital card typically available same day upon approval
- Redeem rewards at CURewards.com
- Lock or unlock your card instantly
- Real-time purchase alerts
- Apple Pay, Google Pay, and more
- Fraud monitoring and Visa Zero Liability protection
Additional Benefits
Roadside Dispatch: Emergency roadside assistance services, such as towing, fuel delivery and more, coordinated by a 24/7 on-demand referral dispatch network.
Information accurate as of 10/09/2024. For more information, contact us.
Roadside Dispatch: Emergency roadside assistance services, such as towing, fuel delivery and more, coordinated by a 24/7 on-demand referral dispatch network. To use Roadside Dispatch, call 1-800-847-2869.
Lost Luggage Reimbursement: Supplemental reimbursement in the event a cardholder suffers a loss due to theft or misdirection of checked luggage by a carrier.
Purchase Security and Extended Protection: Reimbursement to the cardholder in the event of loss, theft, damage or fire within 90 days from the purchase date for eligible items purchased with an eligible Visa card. Extended protection doubles the time period of the original manufacturer's written U.S. warranty up to one full year on warranties of three years or less.
Travel and Emergency Assistance Services: Help in coordinating medical, legal and travel services while away from home.
Personal Identity Theft Coverage: Provides reimbursement up to $2,500.00 for covered expenses you incur to restore your identity as a result of a covered stolen identity event.
Information accurate as of 10/09/2024. For more information, contact us.
Last, but not least:
*0% intro APR for 6 months from open date on purchases, balance transfers, and cash advances. After the intro period, variable APR of 13.40%-18.00% (Classic) or 15.40%-18.00% (Platinum) applies. Balance transfer fee is 2.5% of amount transferred (min $15, max $125) during 0% intro rate period only. Foreign transaction fee up to 3% of transaction amount. Platinum Cardholders: earn 5x the points on up to $5,000 in purchases in the first 90 days from open date (up to $250 cash back). Rates valid as of 07/01/2026. For other terms and fees that apply, click here.
Earn one point for every dollar you spend using your Spero Platinum Credit Card - after returns are deducted. For full details regarding the Rewards Program applicable to your credit card account, visit curewards.com.
Pick Your Win
Want to pay less interest? Classic is your card. Want cash back on every purchase? Platinum's got you. Either way, no annual fee. No surprises.