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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.

Verve credit card is a credit account issued by Mid America Bank & Trust and serviced by Continental Finance. It is a real credit card for people with bad credit but you will have to pay a lot for having this card because it comes with steep interest rate and high annual fee. The Verve card can be a good option for some people. However, there are many other credit cards for bad credit that are less expensive.

Opt for Verve Credit Card Alternatives
BEST for FAIR CREDIT:

Find out if you Pre-Qualify without affecting your credit score

This unsecured card provides opportunities to raise your credit score

Receive opportunities for credit line increases, a fee may apply

BEST for LIMITED/NO CREDIT:
Surge Mastercard®

All credit types welcome to apply!

Monthly reporting to the three major credit bureaus.

Initial Credit Limit of $500.00!* (subject to available credit).

Credit Cards for Shopping at Verve

Card Name Credit History Intro APR Purch. (Intro Period) APR % Annual Fee Rewards Apply / Details
Fair
N/A15.90% - 24.40% Variable$0 - $99Cash Back
Fair / Good
N/A23.9%$35 - $99*n/a
Bad
n/a25.15%$0n/a
Fair
N/A15.90% - 24.40% Variable$0 - $99Cash Back
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Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Credit Cards for Shopping at Verve

Verve MasterCard is an unsecured credit account for people with poor credit. The issuer promises credit limit of $500, which is rather high for a credit card for people with bad credit. However, this credit limit will be reduced as the fist-year annual fee, which is $125, will be deducted from your initial credit limit leaving you only $375.
If you think that APR will smooth over the annual fee, then you are wrong. The interest rate will only make things worse as it is 29.9%. Though it is not that high as First Premier's rate (now at 36%!). And you still can avoid interest fees if you pay off the card balance before the due date. Another feature of the Verve card is that you can be approved for a secured credit account. All applicants a reviewed for an unsecured credit account but if you do not qualify for it, the issuer will offer you to open a secured one.

Opt for Verve Credit Card Alternatives

Verve credit card is not the only credit card you can apply for when your credit is bad. In fact, there are many credit card issuers who offer credit cards to people with poor credit. Most of such cards are secured credit cards. The banks do not want to risk offering a credit card without collateral to someone who damaged his credit in the past. However, a security deposit is usually the only severe requirement a secured credit card can have. All other conditions, as annual fee and interest rate, are rather bearable.

Unsecured Credit Card for Limited Credit

Many people who think their credit is bad, in fact have limited credit. Your credit is limited when you have had your credit card for less than three years and haven't declared bankruptcy or defaulted on a loan. You may have a couple of late payments but your overall payment history is not bad. This all is true for limited credit and you can easily get an unsecured credit card on good terms and even with rewards program. Moreover, it can be offered a free access to your FICO credit score. The last feature is the most important one because you still need to build your credit history, if you want to get access to credit cards with greater perks.
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FAQ

At my local bank there was an advertisement that if one enrolls in Alaska airline credit card and spends $1000 in the first 3 months then a travel companion could fly free. Is this still in effect? Does it apply to international trips and 1st class? Does the flight need to be Alaska airlines/ Virgin airlines?

Answer:
Currently, the Alaska Airlines credit card has the following offer: “Annual companion fare from $121 ($99, plus taxes and fees from $22) ...

I once had the US Airways credit card, then the airlines merged with American Airlines and my card transitioned into the AAdvantage MasterCard with a higher annual fee and without companion pass. I use the card one year and then closed it because I don t fly with American Airline often. Now I am looking for a credit card without an annual fee. What are my options?

Answer:
You may like one of the regular travel rewards credit cards offered by major banks. Travel rewards credit cards allow earning miles on all ...

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CreditCardSpecialist.com, an independent, advertising-supported website, receives compensation from the companies whose offers appear on the site. This compensation impacts where and how credit products appear on our site, including, for example, the product listing order in which they may appear on separate pages. CreditCardSpecialist.com does not present or review all available credit or financial offers.