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Verve Credit Card

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By : Mr Credit Card
The Verve Mastercard is from Continental Finance and is issued by Bank of Missouri. Here are it's key highlights:
  • It is only available via mail offers
  • It does report to the three major credit bureaus
  • It has a mobile app
Let's find out more about this card.


The Verve Mastercard is one of a few credit cards by Continental Finance and one of the two that is only available through mail offers (ie you cannot apply for this card online without a mail offer).

Card Details

The terms and conditions for your card may vary and depend on what is in the mail offer. So while they have a standard terms and conditions for this card listed on their website, we are not going to list it here because they may differ from your mail offer.

When you are checking your mail offer, the key features to check out for are the annual fee, monthly fee (if there is any), and any one-time processing fee. We do not recommend (especially rebuilders) carrying any balance so I would not put too much stock in that unless you are definitely going to carry a balance.

But bear in mind that there are a couple of features that are common in most Continental Finance credit cards that you might find useful.

The first is that as we understand it, all Continental Finance credit cards offer a FREE a Vantage 3.0 credit score from TransUnion if you enroll in e-statements. Most credit cards targeting those of you with low credit scores do not offer this feature at all so this is actually a very good feature.

Secondly, Continental Finance also has a mobile app. Mobile pps are a standard feature for most mainstream prime issuers but not common at all in this niche rebuilder space. So having this feature is great news for those of you who like to manage accounts from your mobile through apps.

The third feature you should ask and look out for is that Continental Finance states on their website that they offer to review you for a credit line increase after one year of having their cards.


When we compare credit cards targeting rebuilders with low credit score, one of the key things we evaluate credit cards is the fees. Many subprime credit cards have annual fees and on top of that, monthly fees and even a one-time application fee. The better ones just have one annual fee that is reasonable.

According to their website, the Verve Mastercard has an annual fee and does not charge any monthly fees or application fees. Having said that, you have to check with your mail offer what terms are being offered to you. And if that is indeed the case, then you would have gotten a very good offer.

Aside from the fees, Continental Finance offers a couple of features that make their cards quite appealing. Like I mentioned earlier, the provide a Free Vantage 3.0 Scores from TransUnion if you sign up for e-statements. There are some other cards like Fingerhut Credit Account and Credit One Bank also offer some sort of free credit scores.

They also offer a mobile app. Not many cards in the bad credit space. We know that Credit One also has a mobile app.

Pros and Cons


  • Free Vantage 3.0 TransUnion Score with e-statement - Not many bad credit cards offer this feature so this is fantastic that this card lets you monitor your credit score for free.

  • No monthly Fee or One-Time Processing Fee - According to their website, Verve does not charge any monthly fee or one-time processing fee. (please check your mail offer to be doubly sure)

  • Has Mobile App - This should be a standard requirement for all credit card issuers (though it is sadly not). Not many cards for bad credit have mobile apps.

  • Review for Credit Line Increase After 12 Months - Not all credit cards in the bad credit space give credit limit increase. This card will review you for an increase after 12 months.

  • Reports to All THREE Credit Bureaus - The Verve Mastercard reports to all three major credit bureaus.


Our Take

The Verve Mastercard is one of two Continental Finance credit cards that is available only from mail offers. Your terms and conditions will be on the mail offer that you get. Though their website does have a page that lists the fees and rates, the only one that matters is what is being offered to you.

As far as fees go, if your offer charges you an annual fee and no other fee (like monthly fees and one-time application fee), then I would say it is a pretty good offer.

Other than the rates and fees, Continental has several features that are very useful for consumers. Firstly, you get free Vantage 3.0 TransUnion scores if you sign up for e-statements. Secondly, they have a mobile app and your account will also be reviewed for a credit limit increase after one year.

More importantly is what you are being offered in the mail. Check out your offer and determine if this is the right card for you.