Verve, A Credit UnionVerve Optimum World MastercardRegistry illustration · issuer artwork unavailable
Verve Optimum World MastercardVerve, A Credit Union · state credit union, IL · NCUA 66777
CurrentLast observed Oct 15, 2026Source date Oct 15, 2026Official issuerCredit card · Consumer · MastercardNetwork stated on issuer website
Purchase APR
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Cash advance APR
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Foreign fee
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Grace period
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Rates and fees
| Term | Value | As printed in the source | Source |
|---|---|---|---|
| APR for purchases | — | no source read | |
| APR for balance transfersintroductory rate first | |||
| Introductory, 12 billing cycles | 0%VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| After | 14.90%–23.90% variableVERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| APR for cash advances | — | no source read | |
| Penalty APRafter a late or returned payment | — | no source read | |
| Paying interestgrace period on new purchases | — | no source read | |
| Annual fee | No annual fee. Membership eligibility required.VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “No annual fee. Membership eligibility required.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees | |||
| Cash advance | — | no source read | |
| Balance transfer | 3% of the amount, minimum $5, 0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Foreign transaction | — | no source read | |
| Penalty fees | |||
| Late payment | — | no source read | |
| Returned payment | — | no source read | |
| APR qualificationsBalance transfer · Introductory; Balance transfer · Regular | 0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “0% Introductory APR on balance transfers for 12 billing cycles from the date of account opening. A Balance Transfer fee of 3.00% of the amount of each transfer or $5.00, whichever is greater will apply. After that, as of October 1, 2026, your Standard APR will be 14.90% to 23.90% depending on your credit history. This APR will vary with the market based on the Prime Rate.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Cash back | 2% cash back. Payment timing is not disclosed. Get 2% cash back on every purchase—in every category—when you pay with a Verve Optimum World MastercardVERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “Get 2% cash back on every purchase—in every category—when you pay with a Verve Optimum World Mastercard”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Cashback qualificationsCash back | . No rotating categories. No limits on earnings. Just rewards that add up every time you use your card. Because every dollar you spend should do more. With simple, unlimited cash back built in, your card becomes a tool that supports your everyday life—helping you earn more, save more, and keep moving forward with confidence.VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | “. No rotating categories. No limits on earnings. Just rewards that add up every time you use your card. Because every dollar you spend should do more. With simple, unlimited cash back built in, your card becomes a tool that supports your everyday life—helping you earn more, save more, and keep moving forward with confidence.”VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |