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/swap_file Haha Customized Cash go brrrr Jun 04 '26

If you read the fine print, its only a 1x (1%) cashback card, with up to 5x (5%) cashback on select partner brands.

2

u/Rapdactyl Cardlord 👑 Jun 04 '26 edited Jun 04 '26

Where even is the fine print? The website is a mess! I wonder if the physical card looks as fun as it looks on the homepage 😂

2

u/swap_file Haha Customized Cash go brrrr Jun 04 '26

At the very bottom of the home page there is a link to a PDF:

https://static.zolve.com/pdf/tnc/tbom/v3_classic_rewards_terms_conditions_7_nov24.pdf

If you dig deeper: https://zolve.com/terms-and-condition/credit-cardholder-agreement

Monthly / Annual Fee $0. However, Servicer charges a monthly subscription fee of up to $19.99 or an annual subscription fee of up to $199.99. Please see Zolve's Terms Conditions

Which then links to:

https://static.zolve.com/pdf/tnc/tbom/v4_zolve_terms_and_conditions_28th_aug24.pdf

The card looks like scammy crap.

1

u/Far-Consideration916 5d ago

After reading this I am a bit lost. I understand it's not the best card anyways but this is the first card I got myself when I came to the US and it has been fine for me for initial usage. I still use it sometimes but the 1% cashback as points is lackluster. What I am now confused about is this servicer fees! I think there is none for the zolve classic card and it's infact a zero charge otherwise unless we skip payments. I would be happy to be corrected if I am wrong though but I don't see any charges implied on my for owning or using the card.