Last Updated: 07/28/2025
Verve Credit Union RewardsFirst MasterCard
Unaffiliated
in Credit Cards from Verve, A Credit Union
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
14.90% - 23.90%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
14.90% - 23.90%(Verified 06/21/2024)
Credit Score Range
600 - 850
Annual Fee
$0
Verve Credit Union RewardsFirst MasterCard Review
This is a rewards card issued by Verve, A Credit Union. If you're wondering whether Verve Credit Union RewardsFirst MasterCard is the right card for you, read on.
Key Takeaways
- APRs: Verve Credit Union RewardsFirst MasterCard has a variable regular purchase APR that ranges from 14.90% up to 23.90%.
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of verve cu credit cards
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verve cu credit cards FAQ
Does verve cu credit cards have a cash back or rewards program?
verve cu credit cards is a rewards card.
| Description |
Does verve cu credit cards have a signup bonus?
This card doesn't offer a cash signup bonus.Does verve cu credit cards offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the verve cu credit cards benefits?
Verve Credit Union RewardsFirst MasterCard provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for verve cu 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 RewardsFirst MasterCard has a variable purchase APR that ranges from 14.90% up to 23.90%. The card has a variable balance transfer APR that ranges from 14.90% up to 23.90%. It also has a variable cash advance APR that ranges from 14.90% up to 23.90%.
Does verve cu 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 cu 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 cu credit cards?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 1% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does verve cu credit cards have a foreign transaction fee?
verve cu credit cards charges a foreign transaction fee of up to 1%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $20. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for verve cu credit cards?
The customer service number for verve cu credit cards is (800) 448-9228.
What is the support contact email for verve cu credit cards?
The support contact email for verve cu credit cards is info@verveacu.com.
What is the login page for verve cu credit cards?
You can access the login page of verve cu credit cards here.
How do people rate the customer service and user experience of verve cu credit cards?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Verve Credit Union RewardsFirst MasterCard report your account activity to credit bureaus?
Yes, Verve Credit Union RewardsFirst 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 cu 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 cu credit cards
- Visit the website of verve cu 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