Chase Freedom Rise℠
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Verve Credit Card
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8.3MyCreditCardLab Score
MyCreditCardLab Score 8.3We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
6.7MyCreditCardLab Score
MyCreditCardLab Score 6.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | |
| $0 | ONE-TIME $0 |
| INTRO APR | |
| None | N/A |
| REGULAR APR | |
| 26.74% Variable APR | 29.99% - 35.9% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. | No Welcome offer available |
| REWARDS | |
Chase Freedom Rise℠ Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
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Verve Credit Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, including:
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| BENEFITS | |
| Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months. | Build Credit - To build good credit, you must use credit responsibly. You also need a credit line increase. Payment history and credit use make up two-thirds of a person’s FICO credit score. The FICO model is the most popular one among lenders. To build a good credit score, pay at least the Verve Mastercard's minimum each month. Also, keep credit use below 30% of the credit limit. Credit limit - Based on your credit limit of $300, your initial available credit will be $225 (or $195 if you choose to have an additional card). Account access - Free online account access - 24/7, Monthly reporting to the three major credit bureaus. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transaction, whichever is greater. | 29.99% - 35.90% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| $5 or 5% of the amount of each transfer, whichever is greater | Balance transfer not available |
| RECOMMENDED CREDIT SCORE | |
| 690 - 580 (Fair - Poor) | 400 - 629 (Very Poor - Poor) |
| FOREIGN TRANSACTION FEE | |
| 3% | 3% |
| BEST FOR | |
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| More Details | More Details |
Chase Freedom Rise℠ vs. Verve Credit
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