The Verve Card’s issuer is Continental Finance. The card is a solid choice for those who are just starting their credit journey. It’s also a great alternative for anyone who’s looking into rebuilding their credit history. If this is your case, then keep reading our Verve Credit Card review.

They have specialized in providing credit cards that enable their customers to create or grow credit in a respectful and dignified manner. A CFC brand card might help you rebuild your credit history if you have less-than-perfect credit.

Issued by Continental Finance, The Verve credit card is a very simple card with tools that aim at helping you control your financial life and make it better. Although it doesn’t offer any kind of rewards, it does help you build a solid score by reporting all payments to the main credit bureaus.

The card charges an annual fee of $75 during the first year of card membership, and $99 after that. The standard APR is a variable of 29.99%, so it’s best to avoid carrying a balance from month to month. The Verve Card welcomes all credit scores to apply, but your credit limit will depend on your credit score.

Your score also affects whether you’ll get an unsecured, partially secured or secured card. Meaning you’ll get a initial credit limit between $300 and $1,000, but the company might require you to put down a security deposit.

There is a $0 Fraud Liability from Continental Finance Company. This implies that you can shop with confidence because, as long as you disclose any fraudulent charges within 60 days, you will be not liable.

One of its few advantages is the free credit monitoring service. This service is also available in digital apps. In addition, it offers TransUnion, Experian, and Equifax monthly reporting. These are all benefits to assist you in keeping track of your spending and credit score progress.

By using your card responsibly and making on time payments, you’ll get the chance of doubling your initial credit limit.

While the card is a solid tool for credit building, that is all it has to offer. You won’t get any welcome bonuses or rewards with this card. Plus, the variable APR is pretty high, so you should never carry a balance.

If you’re new to credit or need a little hand repairing your score, the Verve Credit Card could be a good option. Just make sure to weigh in the pros and cons before you apply.

You may be glad to know that one does not need either a good or an excellent credit score or credit profile in order to acquire a Verve credit card.

As a matter of fact, the card issuer only asks for a credit score from 300 to 850. That is, a fair or a bad credit score is enough.

On CFC’s website, you can find all the information needed to apply for a Verve credit card. However, before jumping directly to their website, why not check out our article which explains in more detail what do you need to apply for this product?

You can count on us to help you out!