Verve Credit Card
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Capital One SavorOne Student Cash Rewards Card
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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. |
9.1MyCreditCardLab Score
MyCreditCardLab Score 9.1We'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 | |
| ONE-TIME $0 | $0 |
| INTRO APR | |
| N/A | 0% on Purchases and Balance Transfers for 15 months |
| REGULAR APR | |
| 29.99% - 35.9% Variable APR | APR: 19.99%-29.99% Variable APR, Cash Advance APR: 29.99%, Variable |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| No Welcome offer available | Earn $50 Cash Back when you spend $100 in the first three months |
| REWARDS | |
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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Capital One SavorOne Student Cash Rewards Card Rewards stand out as a remarkably versatile credit currency. You have the flexibility to redeem your earnings in various ways, including:
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| BENEFITS | |
| 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. | Generous Cash Back Rewards - Earn unlimited cash back on every purchase. Earn bonus rewards. They are for popular categories like dining, entertainment, and groceries. No Annual Fee - Enjoy all the card benefits. There's no annual fee. It's a cheap option for students, Small Business Owners and Cash Back Seekers. Introductory APR - Benefit from a 0% introductory APR on purchases for the first 15-month period, allowing you to make buy and pay them off over time without accruing interest. This 0% benefit helps you buy everything you need to start your student career. Exclusive Access to Uber Rewards - Earn 10% cash back on Uber and Uber Eats purchases, along with complimentary Uber One membership statement credits until a specified date. Student-Friendly Features - Capital One offers various student-friendly features, including credit monitoring tools, flexible payment options, and access to Capital One CreditWise for tracking your credit health. |
| CASH ADVANCE FEE / APR | |
| 29.99% - 35.90% variable, plus a fee of either $10 or 5% of the amount of each transaction, whichever is greater | 5% of the amount of the cash advance, but not less than $5 |
| BALANCE TRANSFER FEE | |
| Balance transfer not available | 0% on Purchases and Balance Transfers for 15 months, and then the ongoing APR of 19.99% - 29.99% Variable APR |
| RECOMMENDED CREDIT SCORE | |
| 400 - 629 (Very Poor - Poor) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | |
| 3% | None |
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| More Details | More Details |
Verve Credit vs. Capital One SavorOne Student Cash Rewards
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