Verve Optimum World Mastercard®
Earn 2% Cash Back on ALL purchases – all day every day!
It’s the credit card that puts money back into your checking account. With a Verve Optimum World Mastercard®, you’ll earn 2% Cash Back on every purchase, every day. That means you’ll earn $100 for every $5,000 you spend—with no limits to how much you can earn monthly or annually.
- No annual fees
- Contactless payments with our Tap & Go feature
- No foreign transaction fees
- Enhanced ID theft resolution services
- Zero liability fraud protection
- Plus, we’ll waive the monthly service fee on your Verve Premier or Optimum Checking account!
QUALIFY + THEN BUNDLE to maximize your earning potential.
- Earn a higher checking rate with a QUALIFYING Verve Optimum Checking account.
- Earn a higher savings rate when you BUNDLE Verve Optimum Savings with Verve Optimum Checking.
Verve Optimum Checking
0.25% APY
√ with NON-QUALIFYING Verve Optimum Checking
Verve Optimum Checking
2.50% APY
√ with QUALIFYING Verve Optimum Checking balances up to $10,000
2.50% APY to 0.48%
√ with QUALIFYING Verve Optimum Checking balances over $10,000
Verve Optimum Money Market
Account Balance | Dividend Rate | APY |
---|---|---|
$5,000.00 – $9,999.99 | 0.50% | 0.50% |
$10,000.00 – $19,999.99 | 0.75% | 0.75% |
$20,000.00 – $39,999.99 | 1.00% | 1.00% |
$40,000.00 – $74,999.99 | 1.73% | 1.75% |
$75,000.00 – $124,999.99 | 1.98% | 2.00% |
$125,000.00 - $199,999.99 | 2.23% | 2.25% |
$200,000.00+ | 2.47% | 2.50% |
√ when NON-BUNDLED or when BUNDLED with NON-QUALIFYING Verve Optimum Checking
Account Balance | Dividend Rate | APY |
---|---|---|
$5,000.00 – $9,999.99 | 1.00% | 1.00% |
$10,000.00 – $19,999.99 | 1.24% | 1.25% |
$20,000.00 – $39,999.99 | 1.73% | 1.75% |
$40,000.00 – $74,999.99 | 2.47% | 2.50% |
$75,000.00 – $124,999.99 | 2.96% | 3.00% |
$125,000.00 - $199,999.99 | 3.20% | 3.25% |
$200,000.00+ | 3.44% | 3.50% |
√ when BUNDLED with QUALIFYING Verve Optimum Checking
Just meet these three qualifiers:
- Monthly ACH direct deposits totaling $1,000.
- Valid email address on file.
- Enrolled in and receive eStatements.
Get the full Verve Optimum Bundle!
It’s as easy as 1-2-3.
• Verve Optimum Checking
• Verve Optimum Money Market
• Verve Optimum World Mastercard®
By adding a Verve Optimum World Mastercard®, you’ll have a solid foundation on which to manage your money, pay for life’s necessities, and save for the future. Add any Verve credit card and we’ll waive the monthly service fee on your Verve Optimum Checking account!
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Disclosure Information
APR = Annual Percentage Rate. 0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. After that, as of January 21, 2025, your Standard APR will be 15.40% to 24.40% depending on your credit history. This APR will vary with the market based on the Prime Rate. No annual fee. Membership eligibility required.
2% Cash Back on all purchases, all day every day – As provided in the ScoreCard® CashBack Program Rules, Verve Optimum World Mastercard® credit card holders will earn 2% CashBack Credits in the Program for every $1 dollar spent in qualifying purchases. Consult a Verve team member for an application and rules.
APY=Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. “Qualification cycle” is equal to one calendar month or first day of the current statement cycle through the last day of the current statement cycle. Qualifications for higher dividend rate and ATM fee refund are 1) ACH direct deposits totaling at least $1,000.00, 2) a valid email address, and 3) enrollment and receive e-statements through online banking. Transfers between accounts do not count as a direct deposit. If qualifications are met each monthly qualification cycle: Domestic ATM fees incurred during qualification cycle will be reimbursed up to $5/ATM transaction, with a $15.00 maximum credit to the account on or about the 5th day of the next month; and daily balances up to $10,000.00 will earn 2.50% APY; and daily balances of $10,000.01 and greater will earn 0.25% APY, resulting in a range of 2.50% APY to 0.48% APY depending on daily balance in your account.. If qualifications are not met, all balances will earn 0.25% APY. Minimum balance to avoid a $15.00 monthly Service Fee is $10,000.00 combined deposit account average daily balance or a current Verve Credit Card holder. Fees could reduce earnings on the account. Limit one Verve Optimum Checking account per Social Security Number. Membership eligibility required. Federally insured by NCUA.
APY=Annual Percentage Yield. APYs accurate as of 01/21/2025. Rates may change after account is opened. If qualifications are met each monthly qualification cycle for Verve Optimum Checking, Verve Optimum Money Market will pay a higher tiered dividend rate. If qualifications are not met each monthly qualification cycle for Verve Optimum Checking, a lower tiered dividend rate will apply. Please request a rate sheet for tiers and rates. Minimum balance to earn dividends is $5,000.00. Fees could reduce earnings on the account. Membership eligibility required. Federally insured by NCUA.