Last Updated: 07/28/2025
Verve Credit Union RateFirst MasterCard
Unaffiliated
in Credit Cards from Verve, A Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
12.90% - 21.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
12.90% - 21.90%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
N/A
Verve Credit Union RateFirst MasterCard Review
This is a secured credit card issued by Verve, A Credit Union. If you're wondering whether Verve Credit Union RateFirst MasterCard is the right card for you, read on.
Key Takeaways
- APRs: Verve Credit Union RateFirst MasterCard has a variable regular purchase APR that ranges from 12.90% up to 21.90%.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Multiple credit card benefits. Includes generous credit card perks, such as extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of verve credit cards
| The Good | The Bad |
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verve credit cards FAQ
Does verve credit cards have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Extended Warranty Protection
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for verve credit cards?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Verve Credit Union RateFirst MasterCard has a variable purchase APR that ranges from 12.90% up to 21.90%. The card has a variable balance transfer APR that ranges from 12.90% up to 21.90%. It also has a variable cash advance APR that ranges from 12.90% up to 21.90%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does verve credit cards have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does verve credit cards have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for verve credit cards?
N/A.
What is the customer service phone number for verve credit cards?
The customer service number for verve credit cards is (800) 448-9228.
What is the support contact email for verve credit cards?
The support contact email for verve credit cards is info@verveacu.com.
What is the login page for verve credit cards?
You can access the login page of verve credit cards here.
How do people rate the customer service and user experience of verve credit cards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Verve Credit Union RateFirst MasterCard report your account activity to credit bureaus?
Yes, Verve Credit Union RateFirst MasterCard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Verve, A Credit Union perform a hard credit pull?
Yes, verve credit cards performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for verve credit cards
- Visit the website of verve credit cards.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
Closed