The Spero Financial is a personal credit card from Spero Financial. The annual fee is $0.00. The ongoing APR is Variable 15.65% - 18.00% based on creditworthiness and prime rate (Wall Street Journal Prime plus margin 8.65% - 16.65%); penalty APR 18.00% (accurate as of 10/1/2026) after a 0% introductory rate on purchases, balance transfers and cash advances introductory rate. Signup bonus: Earn 5x the points on up to $5,000 in purchases in the first 90 days from open date (up to $250 cash back). Rewards: 1% cash back on every purchase (one point for every dollar spent, after returns); redeem at CURewards.com.