You can only apply for the Verve Mastercard if you have a mail offer.
If you don't, we suggest the following card which has lower fees, rates and NO credit checks,
Arro Card
Apply Here 
Verve average approval score is over 600. If your FICo scores are less than 600, then we recommend the Arro Mastercard rather than Verve because there are no credit checks. You would have to link your bank account to Arro and approval is based on the following:
- You need a monthly income of at least $1,000
- You need to have a positive bank balance of at least $50
The starting credit limit ranges from $50 to $200 but increases rapidly the more you use your card. Credit Limits can increase up to $2,500. The APR is only 16% and there is a monthly fee of only $1/month.
Upgrade Select Visa
Of all the 4 versions of Verve, the $750 and $1,000 credit limit version has a $125 annual fee (which is the lowest fee you will pay). Verve average approval FICO score is at least 600. If you are looking for a card with lower fee, consider the Upgrade Select Card instead. It has a $39 annual fee and has a credit limit ranging from $500 - $2,500. I suggest you read our review first by clicking on the link below.
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