Verve Credit Card
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Capital One Spark Miles for Business
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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. |
8.4MyCreditCardLab Score
MyCreditCardLab Score 8.4We'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 | $95 |
| INTRO APR | |
| N/A | No any intro offer of this card |
| REGULAR APR | |
| 29.99% - 35.9% Variable APR | 25.99% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| No Welcome offer available | 50,000 miles after spending $4,500 within 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 Spark Miles for Business Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of 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. | Travel Benefits - Capital One Spark Miles for Business has more than just the value of the rewards points. It also has a big signup bonus. It also has many travel benefits and protections. The top benefit is a credit worth up to $100. You get it for Global Entry or TSA Pre✓® when using the Spark Miles to pay the fee. Earning rewards - Earning rewards on your business expenses with the Capital One Spark Miles card is easy. You'll collect unlimited 2 miles per dollar spent on all purchases. And, 5 miles per dollar on hotel and car rentals from Capital One Travel. No foreign transaction fee - Many credit cards tack on a fee of 3% on every overseas purchase. You travel abroad often for business. Or, you buy inventory there. This could get expensive for both you and your employees. But, like all Capital One cards, this card doesn't charge a fee. No additional fee for employee cards - Business owners can earn more rewards. They can do this by giving employees their own cards. They use them to cover business expenses. They would do this without paying an authorized user fee. You can also set credit limits and spending reports on each card. |
| 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 | 32.24% variable, plus a fee of either $5 or 5% of the amount of each transaction, whichever is greater |
| BALANCE TRANSFER FEE | |
| Balance transfer not available | 25.99% variable based on the Prime Rate |
| RECOMMENDED CREDIT SCORE | |
| 400 - 629 (Very Poor - Poor) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | $0 |
| BEST FOR | |
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| More Details | More Details |
Verve Credit vs. Capital One Spark Miles for Business
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