Zolve Credit Card
- Annual fee
- None
- Recommended credit
- No Credit Required / Fair / Poor
- Card network
- Mastercard
- Regular purchase APR
- 16% variable based on the Prime Rate
At a glance
The Zolve Credit Card is a credit builder credit card that helps new arrivals to the U.S. build credit and move on to more impressive rewards from the same program. The Zolve credit card earns unlimited 1% cash back and offers additional benefits with no annual fee.
Our review of the Zolve Credit Card
If you’re looking for a no annual fee credit builder credit card, the Zolve Credit Card from fintech Zolve and Community Federal Savings Bank is worth considering. While you can’t apply for this card directly, it’s designed for those traditionally underbanked individuals looking to build credit with every purchase.
Continue Your Credit Journey with Basic Rewards
Earning an unlimited 1% cash back rate on all purchases, the Zolve Credit Card allows you to redeem rewards for gift cards starting at just 1,000 points ($10 cash back). New accounts receive a $15 welcome points gift, a nice perk for a credit-builder card.
Upgrade to the Zolve Card of Your Choice
After positive payments on the Azpire Card for at least four months, Zolve allows you to upgrade to one of their three unsecured credit card options. These options vary in fees, benefits, rewards, and free international money transfers.
Here’s a comparison of the three unsecured Zolve credit cards:
- Zolve Classic: No annual fee, 1% unlimited cash back
- Zolve Signature: $99 annual fee ($9.99/month), 3% back on “Everyday” purchases
- Zolve Black: $299 annual fee ($29.99/month), 1.5% unlimited cash back
Why Opt for the Zolve Signature?
The Zolve Signature Card offers $1,000 in annual benefits for a $9.99 monthly fee. Cardholders enjoy perks like a $25 welcome bonus, $230 in credits for services like DoorDash and Lyft, and up to $50,000 in car rental coverage through Mastercard’s Auto Collision Damage Waiver.
Why Opt for Zolve Black?
For a premium credit card experience, Zolve Black offers $2,000 in annual benefits for a $29.99 monthly fee. Cardholders receive a 16-gram metal credit card, $50 worth of welcome points, and $260 in annual credits for DoorDash and Lyft. Plus, earn 5% back on selected brands.
Other Competition
A direct competitor to the Zolve Classic is the Petal 1 Visa Credit Card, offering similar features and no annual or foreign transaction fees.
Other Card Features
The Zolve Classic credit card includes features like freeze/unfreeze options, EMV chip technology, and mobile wallet access. Cardholders also enjoy Mastercard Platinum benefits like Zero Liability Protection and ID Theft Protection.
Should You Apply for the Zolve Classic Credit Card?
While the Zolve Classic Credit Card is a solid option for those new to credit, there are more lucrative cards available. Consider upgrading to the Signature or Black version for enhanced benefits, or explore other rewards cards from banks that accept ITINs for a potentially better rewards experience
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Up to $5,000 credit limit
- Earn 1% unlimited cash back
- Earn up to 10% cash-back at over 10,000 shopping outlets
Who this card may suit
- You are a new arrival to the United States and want to begin building credit
- You prefer a card program that grows with you - not one you grow out of
- You are happy with basic rewards and plan to stick with the free option
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 16% variable based on the Prime Rate |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit Limited or No Credit.
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Zolve Credit Card
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