topic Re: Zolve in Credit Cards

Zolve

TyrannicalDuncery — Fri, 13 Oct 2023 02:08:28 GMT

I saw @gloverkevin post about the Zolve cards a while ago, and my interest was piqued again by this reddit comment about it.

Apparently you get can get 5% back on your choice from a list of merchants. This is how the commenter described it:

I have a Zolve card, made for international students. It gives me UL 5% back on my merchants of choice. I can pick one each from Grocery, online shopping, utilities, insurance etc. There's total 6 categories to pick from.

Apparently they have multiple cards, some have high annual fees, and some are available to people other than international students. I think the only one with the 5% cash back is the Zolve Black which has a $300 AF. At least one is a secured card; I can't tell what the rewards structure is but it seems like maybe rotating partner type stuff.

Do y'all have any experience with it? What problems have you experienced? What merchant partners do they have? (Personally I'm looking for insurance premiums and Aldi).

Here are some snippets of the participating merchants that I've seen at various points in time:

here (Adidas+Costco+H&M+Sephora+Walmart)
here (Xfinity+Walmart+Lyft+Grubhub+Priceline)
here (Amazon+AMC+Costco (online)+Burlington+Cinemark+CVS+Dollar Tree+Fandango+Gap+H&M+Ikea+Macy's+Nike+Regal+Target+Ticketmaster+Walgreen+Walmart)
here (Airbnb+Amazon+AT&T+Lyft+McDonald's+Netflix+Starbucks+Target+Uber+Walmart+Zipcar)

Re: Zolve

ptatohed — Fri, 13 Oct 2023 00:02:06 GMT

Interesting. Can you link us to the card itself? I don't see it under products. LINK. It looks like maybe it is a secured card?

Re: Zolve

FireMedic1 — Thu, 12 Oct 2023 22:59:35 GMT

"The secured Zolve Azpire credit card and unsecured Zolve credit card are credit-builder cards that offer a low-hurdle path to credit for new immigrants, credit beginners and second-chance seekers."

"You can't get the Zolve credit card without first proving you can manage the secured Azpire credit card. You can upgrade to the Zolve credit card in as little as four months, if you can qualify."

"Like some other credit cards in its class , the Azpire credit card requires opening a bank account with Zolve, but it distinguishes itself by not requiring a minimum amount in direct deposits."

https://www.nerdwallet.com/article/credit-cards/zolve-credit-card

Re: Zolve

CreditCuriosity — Fri, 13 Oct 2023 00:49:24 GMT

Interesting. Fintech though is a hard pass when venture capital is hard to come by with todays economy. Wish the best for those whom decide to take this path.

Re: Zolve

PatienceMohr — Sat, 28 Oct 2023 07:23:00 GMT

Thanks for sharing, I appreciate you.

Re: Zolve

vajra29 — Fri, 17 Apr 2026 02:46:47 GMT

I have the card since 2021. The one i have is unsecured with no annual fee (now with a 10000$ credit limit started at 2500$ without SSN then) version.

There are three rewards options every quarter now to selext:
Note : Max rewards per quarter is 75$ (Ie. at 5x points it would mean , spend 1500$ get upto 7500 points )
1 st option : Select any 5 merchants [Only one per category ] (5x points) :
Electronics and merchandise : , Best Buy , Ebay, Dell , HP , Apple store , Sony , lenovo , samsung and newegg.
Shopping and entertainment : Amazon, amc , adidas , dollar tree , ikea , target , wayfair , walmart , regal , kohls , costco(online only)
Food and delivery : Aldi , chipotle , chic fil a , doordash , grubhub , dunkin , instacart, starbucks , sams club , subway tacobell, trader joe ,uber eats, whole foods marte etc.
Utilities : Spectrum , Mint Mobile , Google Fi , shell , TMobile, verizon ,xfinity , comcast ,primevideo , att , 7 eleven , chevron etc.
Local transport : Lyft , dart , many metros (Nj transit , houston metro , marta , ventra) , uber , MTA New york metro etc.
Insurance : Many like state farm , united healthcare , geico , aaa etc.
Airlines and travel : American , qatar , delta , etihad , greyhound, spirit airlines, southwest ,united , hilton ,hertz rental , holiday inn ,amtrak etc.
2nd Option : Select a 5x Category [They list out all MCCs here ] (Can chose frm grocery*incls bigbox costco walmart /electronics / bill payments, then select a 3x category , rest spends at 1x .
3rd Option Automax: you decide what you want to spend. Top spending in the billing cycle = 5x , 2nd top spending = 3x , rest = 1x.

Re: Zolve

crystal626 — Fri, 17 Apr 2026 02:43:03 GMT

@vajra29 wrote:

I have the card since 2021. The one i have is unsecured with no annual fee (now with a 10000$ credit limit started at 2500$ without SSN then) version.

There are three rewards options every quarter now to selext:
Note : Max rewards per quarter is 75$ (Ie. at 5x points it would mean , spend 1500$ get upto 7500 points )
1 st option : Select any 5 merchants (5x points) :
Electronics and merchandise : , Best Buy , Ebay, Dell , HP , Apple store , Sony , lenovo , samsung and newegg.
Shopping and entertainment : Amazon, amc , adidas , dollar tree , ikea , target , wayfair , walmart , regal , kohls , costco(online only)
Food and delivery : Aldi , chipotle , chic fil a , doordash , grubhub , dunkin , instacart, starbucks , sams club , subway tacobell, trader joe ,uber eats, whole foods marte etc.
Utilities : Spectrum , Mint Mobile , Google Fi , shell , TMobile, verizon ,xfinity , comcast ,primevideo , att , 7 eleven , chevron etc.
Local transport : Lyft , dart , many metros (Nj transit , houston metro , marta , ventra) , uber , MTA New york metro etc.
Insurance : Many like state farm , united healthcare , geico , aaa etc.
Airlines and travel : American , qatar , delta , etihad , greyhound, spirit airlines, southwest ,united , hilton ,hertz rental , holiday inn ,amtrak etc.
2nd Option : Select a 5x Category [They list out all MCCs here ] (Can chose frm grocery*incls bigbox costco walmart /electronics / bill payments, then select a 3x category , rest spends at 1x .
3rd Option Automax: you decide what you want to spend. Top spending in the billing cycle = 5x , 2nd top spending = 3x , rest = 1x.

That is a really attractive card. Could really use Sams Club, Dollar Tree, IKEA, Target, and Walmart at 5%.

Re: Zolve

FicoMike0 — Fri, 17 Apr 2026 03:37:48 GMT

I notice you don't need a ssn. Do you have to use your real name?

Re: Zolve

vajra29 — Fri, 17 Apr 2026 03:48:44 GMT

Zolve is an indian fintech company it started in 2021.
I have an SSN now but in 2021 just needed Indian Passport and PAN (Tax ID) . I was one of their first customers esp giving an unsecured CC the day i stepped into USA.

I dunno how its now though as one more person i know of only got a checking account (with no CC available for them) with no SSN.

But they do offer 5% APY on the checking account now.

Re: Zolve

MrBee25 — Fri, 17 Apr 2026 15:34:46 GMT

Due to the age of this thread, it will be locked in order to keep discussions current. If you have the same or a similar question/issue, please feel free to start a new thread on the topic. Thank you!