| APR for purchases | — | |
| APR for balance transfersintroductory rate first |
| Introductory, 12 billing cycles | 0%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 | Website |
| APR for cash advances | — | |
| Penalty APRafter a late or returned payment | — | |
| Paying interestgrace period on new purchases | — | |
| Annual fee | No annual fee. Membership eligibility required.VERVE, A CREDIT UNION · Page Capture Oct 15, 2026 · Captured Oct 15, 2026 | Website |
| Transaction fees |
| Cash advance | — | |
| 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 | Website |
| Foreign transaction | — | |
| Penalty fees |
| Late payment | — | |
| Returned payment | — | |
| 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 | 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 | 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 | Website |
