Last Updated: 07/28/2025
SuperMoney User Recommendation Score -78
Strongly not recommended9 total votes
Explore a similar product
Try this top product in Credit Cards
Total Visa® Credit Card
Mostly recommended35 reviews
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreCompare All Credit Cards
Filter & compare all your options in one place.
Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
24.90% - 35.90%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 04/26/2024)
Credit Score Range
300 - 850
Annual Fee
$49 - $125
Number of Reviews
Verve Mastercard Card Review
This is a card issued by The Bank of Missouri. If you're wondering whether Verve Mastercard Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 24.90% up to 35.90%.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% 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 credit card
| The Good | The Bad |
|
|
Verve credit card FAQ
Does Verve credit card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Verve credit card?
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 higher than average regular APRs.Verve Mastercard Card has a variable purchase APR that ranges from 24.90% up to 35.90%. Verve Mastercard Card does not offer balance transfers.
Does Verve credit card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Verve Mastercard Card does not offer balance transfers.Does Verve credit card 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 card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 - $125 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $49 up to $125.
Does Verve credit card have a foreign transaction fee?
Verve credit card charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for Verve credit card?
The customer service number for Verve credit card is (888) 547-6541.
How do people rate the customer service and user experience of Verve credit card?
Overall, Verve credit card is strongly not recommended based on community reviews that rate customer service and user experience.
Does Verve Mastercard Card report your account activity to credit bureaus?
Yes, Verve Mastercard Card 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 The Bank of Missouri perform a hard credit pull?
Yes, Verve credit card 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 card
- Visit the website of Verve credit card.
- 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.
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...
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 - 5:00PM
Saturday
Closed
Other Services by The Bank of Missouri
Other Credit Cards from The Bank of Missouri
Sponsored
Total Visa® Credit Card
Sponsored
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
550 - 620
300
850
Annual Fee
$48 - $75
Disclaimer popup with additional information
Sponsored
FIT™ Platinum Mastercard®
Sponsored
Purchase APR
35.90%
Disclaimer popup with additional information
Balance Transfer APR
35.9%
Disclaimer popup with additional information
Credit Score Range
300 - 640
300
850
Annual Fee
$99
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
36%
Disclaimer popup with additional information
Balance Transfer APR
36%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
$0 - $49
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
29.99% - 35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$125
Rating not yet determined
Purchase APR
N/A
Disclaimer popup with additional information
Balance Transfer APR
N/A
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$349
Rating not yet determined
Purchase APR
24.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
Starting at 580
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
24.99% - 27.99%
Disclaimer popup with additional information
Balance Transfer APR
24.99% - 27.99%
Disclaimer popup with additional information
Credit Score Range
Up to 850
Annual Fee
$0 - $39
Rating not yet determined
Purchase APR
29.99% - 36.00%
Disclaimer popup with additional information
Balance Transfer APR
32.99% - 36.00%
Disclaimer popup with additional information
Credit Score Range
300 - 850
300
850
Annual Fee
Starting at $85
Community Recommended Products
View AllSponsored
Mostly recommended35 Reviews
Learn MoreSponsored
Strongly recommended13 Reviews
Learn MoreSponsored
Mostly recommended11 Reviews
Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -78, or 1.4 on a 5-point rating scale.
-78
-1000+100
No one recommends
Everyone recommends
Verve Mastercard Card Community Reviews
Would you recommend Verve Mastercard Card to your friends?
Tom T.
Oct 15, 2023
May or may not recommend
OUTRAGIOUSLY HIGH YEARLY FEE..I WAS OFFERED A CARD WITH A $700 LIMIT BUT WITH AN INITIAL YEARLY FEE OF $175 LIMITING MY CARD SPENDING INCOME TO $525. PLUS A MONTHLY MAINTENANCE FEE..TRYING TO CANCEL THE CARD THEY SENT ME..I HAVE NOT USED IT..AND DON'T WANT TO ACTIVATE IT!! DO NOT RECOMMEND THIS VERVE CARD TO ANYONE!!!
PN
Pamela N.
Sep 29, 2023
May or may not recommend
DO NOT GET THIS CARD UNDER ANY CIRCUMSTANCE!! There is an employee at Verve going by Natalie Stevenson who trolls reviews and blocked my card, even refusing to let me make payemnts, because I gave them a bad review, Also, this "Natalie" girl is accusing me of identity theft and fraud. Their evidence? That I made $200 of payments one month on a $1700 balance. ...Show More
SJ
Serena J.
Jul 8, 2023
May or may not recommend
It's scam! I called several times & they said called several numbers!
CM
Collin M.
Feb 22, 2023
May or may not recommend
I got a Verve Master Card. I tried paying the $99 setup fee early and the payment was rejected. I tried again a week later and according to my statement on Verve it shows it was paid but the balance and payment due still shows unpaid. I called Card Service and was told I was trying to pay out of an account that was not mine. ...Show More
VM
Vanessa M.
Aug 8, 2022
May or may not recommend
I Am A Woman who often travel alone. Unexpected finances took Cssh on hand. Used My Checking account to Pay To Verve Platinum Credit card for Usage for Gas. On Close to empty and slept at rest Stop waiting for Automic System to Catch up with payment. Spoke with Several Customer Service representative to Sonjah. I Stressed Emergency and Unsavory Truck drivers around Needed fund Released Just 25.00 to ...Show More
NC
Nicholas C.
Apr 15, 2022
May or may not recommend
This company is absolutely the worst. Their app is not accurate and this company is not a company I’d recommend to use if you are trying to build your credit like I am. The customer service is probably the worst I have ever dealt with as I just spoke with 5 people in 26 mins and got me now where. Again rating 1-10 they get a 0
White Trash Super Star P.
Feb 23, 2022
May or may not recommend
Sweet deal man go get it or you'll be sad
U
Anonymous
Oct 6, 2021
May or may not recommend
Are you kidding me!! Why would I accept a card like this. When I have 3 Capital one cards. Without out ridiculous fees. I am not that desperate!
TD
Tony D.
Jul 24, 2020
May or may not recommend
Very disappointed in this bank. They charge very high fees even if you have a zero balance on your credit card! Customer service is extremely rude. Truly tone deaf to their customers needs.
Showing 9 of 9 reviews
You might also like
Best Personal Credit Cards
SuperMoney
Using Your Credit Card and Maintaining a High Credit Score
Gina Roberts-Grey
Can Your Kids Handle Credit Cards?
Audrey Henderson
Don't Want a Credit Card? You're Not Alone
LeeAnn Neal
What Are The Different Types of Credit?
Julie Bawden-Davis
