About Vera
Vera is a fintech company that —uses modern technology to make credit simpler, more transparent, and easier to manage. No confusion. No guesswork. Just flexible rewards, an intuitive app, and real-time updates. So, you get more visibility and control of how you spend.
Our team has spent decades building credit products for some of the biggest names in the industry—used by tens of millions of people. Now we’re putting that experience into building Vera.
Credit has become complicated. Fees, fine print and rigid rules have been transformed with Vera’s take on clarity, flexibility, and modern design.
Vera is a financial technology company, not a bank. The Vera World Mastercard is issued by Cottonwood Payments, pursuant to a license from Mastercard.
The Vera card
It’s a new, modern, everyday credit card designed for flexibility and control. It offers simple rewards, powerful app features, and built-in Mastercard World benefits.
Control. Just like life, Vera gives you choices. Rewards options let you choose how you earn–and you can switch it at any time. You can tailor how your card works best for you.
Anywhere Mastercard is accepted online, in stores and around the world.
No annual fee. No foreign transaction fees. No surprises. See Cardholder Agreement for details.
Rewards
Life changes, and your rewards should too. Rewards modes give you the flexibility to choose how you earn. With a simple tap in the Vera app, you can select the rewards structure that fits your lifestyle.
Absolutely! Switch anytime in the Vera app. Your new selection kicks in with your next statement cycle.
Rewards are earned as points that convert to cash value. Redeem anytime in the Vera app for statement credits to help lower your balance.
Never, as long as your account stays open and in good standing.
Applying for your Vera card
Visit https://www.vera.credit. Right now, it’s invite-only, but join the waitlist and we’ll let you know when you’re in.
Basic stuff: name, date of birth, full Social Security number or ITIN, contact details and income.
You need to be at least 18 years old with a physical U.S. address.
It does typically trigger a credit inquiry, which may have a temporary effect on your credit score.
We look at your overall financial history, income, and existing debt obligations.
Getting started and activation
Once approved, typically within 7–10 business days.
Of course. You’ll get a digital card that can be used immediately for online purchases or your mobile wallet.
Just open the app once you receive it and follow the steps.
Yep, just add it in the app and you’re ready to tap and go.
Security & trust
We use advanced, real-time fraud monitoring, tokenization, and secure authentication to help protect your account and transactions.
Open the Vera app and tap Freeze Card to stop new transactions instantly. You can unfreeze it anytime or request a replacement.
Yes. Your Vera card includes Mastercard Zero Liability Protection, so you're not responsible for unauthorized transactions.
Real people are available by calling 1-800-769-1306 or email us at care@vera.credit 24/7.
Managing your account
Same date every month. You can check it anytime in the app or on your statement.
Simply pay your full statement balance by the due date each month.
Sure. Enable alerts in the Vera app to stay informed about transactions, payments, and account activity.
Absolutely. They'll get their own card, but you're still accountable for all charges.
Mastercard World benefits
You’ll get access to travel perks, exclusive offers, and everyday experiences through Mastercard World benefits.
Yes–like Zero Liability Protection, ID theft protection, and global emergency services.
Nope, they’re included with your Vera card—at no additional cost.