Verve Credit Card

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Verve Credit 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).

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pros and cons

$325 in initial spending power

Can be approved even with bad credit

$125 first-year fee

$216 in fees beginning year two

30.49% regular APR

Cost

Annual Fee

$125 1st yr, $96 after

Purchase APR

30.49% (V)

Foreign Transaction Fee

N/A

Cash Back

N/A

Credit Score

N/A

Sams Credit Card

The Sam’s Club Credit Card, issued by Synchrony Bank, is a basic store credit card for Sam’s Club members with a less-than-stellar credit profile. The Sam’s Club Credit Card can only be used at Sam’s Club and Walmart stores and doesn’t offer any rewards on purchases, so it’s mainly for borrowers who aren’t likely to qualify for a better credit card that can be used more broadly. If your credit is just fair (if you have a FICO score of 580 to 669) and you shop at Sam’s Club and Walmart frequently, this card can be a worthwhile financing tool, albeit with a steep interest rate.

Big Lots Credit Card

The Big Lots Credit Card is a good choice for frequent Big Lots shoppers who want the flexibility to pay for their purchases over time. If you can handle the deferred-interest financing deals properly, you can save a lot of money and gain the flexibility around paying your credit card bill. Most people, however, will be better off with a cash-back card that works anywhere and earns rewards of some kind. Try the CardCruncher tool to find the right card for you.

Surge Mastercard Credit Card

The Surge Mastercard® is one of the easiest credit cards to get if you have bad credit, but the card's annual and monthly fees may reduce its appeal. If you're considering the Surge Mastercard® to build credit, here's what you need to know before you submit your application.

Menards BIG Credit Card

Menards has been one of the leading stores for home improvements for over five decades now. Many people rely on this store for their home improvement needs where they spend thousands of dollars. The Menards Big Card is designed to help all the Menards loyalists to get more rewards from making their purchases in the store and a few other selected gas stations. The card offers different types of rewards from cash back to in-store financing making it a very valuable tool especially if you tend to do a lot of home improvement.

Stein Mart Credit Card

The Stein Mart Platinum Mastercard® offers additional savings on items that fly off the rack at the discount retailer's store.The card, issued by Synchrony Bank, earns rewards at the retailer online and in-store and everywhere that Mastercard is accepted. It also offers perks such as exclusive savings events, birthday surprises and the chance to earn even more rewards with Elite status. The card's annual fee is $0.

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Related Credit Card/Article

If you decide to go with this card, here are a few things you should watch out for:High APRThis card has a 21.9% variable  APR — much higher than many other secured card options.High annual and maintenance feesThis card is unique with its high annual and monthly fee after the first year, with
The only way to apply for this card is through the preselected mail offer. If you got one in the mail, follow the instructions on the offer.
Details of prosPotential For $375 In Initial Spending Power: In the best-case scenario, the Verve Credit Card would give you what amounts to a $375 short-term loan to start with. That’s based on the account’s $500 starting credit limit, which is effectively reduced by its $125 first-year annual
The Verve Mastercard® credit card offers variable credit limits that depend on your credit history and it reports to all three credit bureaus. This starter card could be good if you’ve had trouble being approved for other secured cards and want to make a minimum security deposit. After 90 days of
The Verve Mastercard Credit Card has more cons than pros, and the main benefit it offers is helping to build your credit score.While the card can help you do that if you use it the right way, you need to make sure that benefit outweighs the fees that the card charges.Verve Card ProsPro 1: Credit Bui
RewardsMonthly reporting to the three major credit bureausFast and easy application processFree online account access - 24/7Based on your credit limit of $500, your initial available credit will be $375 (or $345 if you choose to have an additional card).A collateral deposit in the form of a security
OnlineThey accept payments using bill pay, automatic payments from your checking account, scheduling a transfer in online banking or at any of their locations.By MailThe address is:Verve/P.O. Box 31292/Tampa, FL 33631-3292Make sure to write the check payable to Verve and include your Verve account n