Verve Mastercard® Reviews 9,593

Thought I had made my payment on time yesterday but called this morning to make sure it went through and they said yes it was there but it was late , I've never been late and try and pride myself on being on time , very disappointed and thinking about canceling both my cards ...

Great customer service.

My rep was very friendly and offered so much useful and helpful information regarding my account.

Very kind attentive Very concerned

The gentleman was kind patient and a pleasure to speak with.

The professionalism of the agent!!

👋😛👍💋🎈🎈🎈🎈🎈💭💭

My Rep was very friendly and knowledgeable and helped me in a timely manner so I didn’t have to spend a long time on the phone. Thank you Verve!

I had a great experience, I was contacted on 5/9/26 with a reminder about my upcoming payment due date. My payment was already mailed, but was not yet received. As a result, I decided th make a phone payment to avoid any late fees or additional charges.

I usually pay by mail but the lady that helped me took my first payment over the phone. And she told me I can start paying next month by mail. Excellent customer service

My experience was great until I didn’t understand why I couldn’t use my card with money on it to purchase!
But I called and now I understand why but, I’m not crazy about the explanation!
But I understand too, so we’re good, Amen 🙏🏽

Great Customer Service

Friendly and helpful customer service.

The lady was very helpful and the customer service was great this was my last account that I could not get to online there was some mix up with username and passwords and it finally let me verifying get in and she was very helpful thank you

Quick and easy process disputing charge on my account.

Customer service is awesome!! I can always be assure my question answered and my problem solved.

Verve Mastercard may serve a purpose for someone trying to build or rebuild credit, but only as a very short-term option. The problem is what happens after the first year. The current fee disclosure shows a 35.90% APR, annual fees that can run $49 to $125, and monthly maintenance fees after the first year that can add another $20 to $40 per month, depending on the credit limit. That makes the card expensive even before any interest is charged.

Some of the high reviews appear to come from people focusing on approval, customer service, or short-term credit rebuilding, rather than the actual cost of the card. In plain terms, many people reviewing this card do not seem to understand how expensive it becomes after the first year. A helpful representative does not make a bad fee structure a good financial product. Don't be financially ignorant.

That lines up with NerdWallet’s review, which describes the card as having “fees upon fees,” including monthly maintenance fees after year one, plus low initial credit limits that can make those fees feel even worse. WalletHub is similarly negative, noting that while the card may be available to people with bad credit and does not require a security deposit, the positives mostly stop there because of the high annual fee and very high APR.

For anyone considering this card, I would strongly suggest reading the fee schedule carefully and treating it only as a temporary credit-rebuilding tool. Pay it in full, use it for maybe 6–12 months if needed, and then replace it before the monthly maintenance fees begin. After the first year, the monthly cost makes this a poor long-term card for most people.

Customer service was amazing.

No comment thanks

Her expert help and respect I wish I found more like that thank you