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RateFirst Mastercard®

For the master balancer.

A perfect choice when you just want a low rate and a card issued and serviced locally by Verve.

For the master balancer.

  • One, low rate—always. A perfect choice for those who carry monthly balances. Rate as low as 13.40% APR.
  • No annual fee.
  • No balance transfer fee.
  • No penalty APRs for late payments.
  • Same great rate for purchases and cash advances.
  • Check your transactions and balance online anytime using Verve’s online banking.
  • Make payments using bill pay, using automatic payments from your checking account or at any of our convenient locations.
  • Have peace of mind knowing your card is monitored for unauthorized usage with Omni Shield.
Apply Now

APR = Annual Percentage Rate and is current as of 08/01/2023. Variable APR determined by adding a margin to the Prime rate and ranges from 13.40% – 22.40%. Margin is based on individual creditworthiness and may change after periodic credit reviews. Credit card rates, terms, conditions and instant approval based on credit qualifications, account relationship and approval. Rates, terms, and conditions are subject to change. Membership eligibility required.

View the MasterCard Rate/Reward Credit Card Disclosure and Agreement.