The Spero Financial is a personal credit card from Spero Financial. The annual fee is $0.00. The ongoing APR is Variable 13.65% - 18.00% based on creditworthiness and prime rate (Wall Street Journal Prime plus margin 6.65% - 14.65%); penalty APR 18.00% (accurate as of 10/1/2026) after a 0% introductory rate on purchases, balance transfers and cash advances introductory rate.