A credit card designed to help you thrive!
Find the flexibility you need and the stability you deserve with Verve’s RateFirst Mastercard®.
- 0% APR* on all purchases and balance transfers for the first 12 billing cycles
- Rates as low as 12.65% APR* on purchases and balance transfers after the first 12 billing cycles
A perfect credit card choice if you want a great rate you can count on.
- 0% APR on all purchases and balance transfers for the first 12 billing cycles
- Rates as low as 12.65% APR on purchases and balance transfers after the first 12 billing cycles
- 3% Balance transfer fee
- No annual fee
- No penalty APRs for late payments
- Monitored for unauthorized usage with SecurLOCK
Transfer your higher-interest credit card balances to Verve’s RateFirst Mastercard®.
Access your account online.
Track your transactions
Monitor your account balance
Make payments online
through bill pay or automatic payments from your checking account. Or pay in-person by stopping in at any of our convenient locations
Borrow responsibly, manage your money, and optimize your payments.
Thriving financially is within your reach. Explore more Verve budgeting tools.
- Enroll in Early Pay. Get access to your direct deposit up to two days in advance of payday.
- Add Verve Round Up to your personal checking account. It’s like a digital change jar. With every debit card purchase, we’ll round up to the nearest dollar and drop the excess change into a savings account for you. On average, members enrolled in Verve Round Up save an additional $185 annually.
- Open a Name Your Savings account. Work toward a specific goal with little restrictions if you need to access the funds earlier than expected.
- Look into Personal Loan, Home Equity Loan, and Home Equity Line of Credit options. Reliable access to money when life is unpredictable.
Read our latest blogs to make the most of your money.
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Disclosure Information
APR = Annual Percentage Rate and is current as of 12/01/2024. 0% Introductory APR is on all purchases and balance transfers for the first 12 billing cycles. A 3% balance transfer fee applies. After the promotional period, a variable APR of 12.65% – 21.65% APR is in effect and determined by adding a margin to the current Prime Rate. Margin is based on individual creditworthiness and may change after periodic credit reviews. Credit card rates, terms and conditions, and approval based on credit qualifications and account relationship. Rates and terms and conditions are subject to change. Membership eligibility required.
View the MasterCard Rate/Reward Credit Card Disclosure and Agreement.
Federally Insured by NCUA | 
Equal Housing Opportunity |