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  Verve Mastercard Card

Verve Mastercard Card

in Personal Credit Cards from The Bank of Missouri

Unaffiliated

Verve Mastercard Card

Unaffiliated

in Personal Credit Cards from The Bank of Missouri

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Highlights
Highlights
Purchase APR  (Variable APR) 25.9%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 850
Annual Fee $99

Verve Mastercard Card Review

Verve Mastercard Card is a credit card issued by The Bank of Missouri. If you're wondering whether Verve Mastercard Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.9%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Verve Mastercard Card Pros and Cons:

The Good The Bad
  • Free access to your credit score.
  • Considers applicants with fair or poor credit.
  • Verve Mastercard Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a Verve Mastercard Card cash back or rewards program?

No, Verve Mastercard Card does not offer a rewards program.

What are the Verve Mastercard Card benefits?

Verve Mastercard Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Verve Mastercard Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Verve Mastercard Card has higher than average purchase APRs.

Verve Mastercard Card has a variable purchase APR of 25.9%. It also has a variable cash advance APR of 25.9% .

Does Verve Mastercard Card have an introductory APR offer on balance transfers?

No, Verve Mastercard Card does not come with an introductory APR offer for balance transfers.

Does Verve Mastercard Card have an introductory APR offer on new purchases?

Verve Mastercard Card does not offer an introductory rate on new purchases.
Verve Mastercard Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Verve Mastercard Card?

The following fees apply to Verve Mastercard Card:

Verve Mastercard Card Fees
Fees Amount
Annual Fee $99
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Verve Mastercard Card have a foreign transaction fee?

Verve Mastercard Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Verve Mastercard Card report your account activity to credit bureaus?

Verve Mastercard Card reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit score.

How to apply for Verve Mastercard Card

  • Visit the Verve Mastercard Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Contact

  • Headquarters
  •   The Bank of Missouri
    PO Box 85710
    Sioux Falls, SD 57118
  •   Visit Site

About Verve Mastercard Card

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View all personal credit cards offered by The Bank of Missouri

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $99
Returned Payment Fee Up to $40
Additional Card Fee Amount $30
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Card Type Bad Credit
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
Cash Advance APR (Variable APR) 25.9%
Balance Computation average daily balance(including new purchases).
Purchase APR (Variable APR) 25.9%

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