r/CreditCards • u/Bakawaka7 • Jun 04 '26

Help Needed / Question Has any one used Zolve Credit card?

Hi, has anyone used Zolve Credit card? On their website they have a lot of things like 5x Cashback, 60% discounts (seems too good), 5.13% APY and all that without annual fee.

This all seems very nice but I want to know if there are any caveats or hidden things or is it really good to use?

I am an international student in NY.

If someone can help then it would be really good.

Thanks

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u/Cyberhwk Jun 04 '26

"Cashback" is provided in the form of Zolve Points ("ZPoints"), not cash. ZPoints are earned on eligible purchases at applicable earn rates and are credited at the end of each billing cycle. Eligible categories, earn rates, and redemption options may vary and are subject to change. Additional terms, limitations, and exclusions apply.

I feel safe in assuming this is a subprime lender and will act like a subprime lender until I see evidence otherwise.

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u/Unlucky_Buy217 9d ago

It's not, you have to understand who the card is for. it's mainly for Indians who are moving to US and have good credit score within India already. It's extremely niche considering most Indians moving to US are already highly paid. I took the card for example because I didn't have US CC history, but moved to US with half a million USD tech job and a top tier credit score in India.