Zolve Signature
Community Federal Savings Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Community Federal Savings Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
How we calculate effective rate →
The Zolve Signature from Community Federal Savings Bank earns up to 1% effective value on dining in Madeen's catalog snapshot. Its annual fee is $120. New applicants may see: $25.
- Top category
- Dining
- Effective value
- 1%
- Annual fee
- $120
Best for dining-heavy spend when the $120 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
What does the Zolve Signature earn in each category?
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Zolve Signature compares across dining, grocery, gas, travel, and other spend.
Dining is the strongest category at 1% effective value (1% back). That dining rate ranks higher than about 2% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how Zolve Signature compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 1% Top category |
| Grocery Supermarkets and grocery stores | 1% back | 1% |
| Gas Gas stations and fuel | 1% back | 1% |
| Travel Flights, hotels, transit | 1% back | 1% |
| Other General everyday spend | 1% back | 1% |
Madeen values cash back at about 1 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
Who should get the Zolve Signature?
The Zolve Signature fits spenders who put meaningful volume in dining and can earn 1% back. Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Zolve Signature fits spenders who put meaningful volume in dining and can earn 1% back. Madeen ranks its dining effective rate higher than about 2% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 1% back. The welcome bonus can help if you can meet the spend requirement.
Less compelling if the $120 annual fee is hard to offset. Mostly a flat base earn card without strong category bonuses.
Best for dining-heavy spend when the $120 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 1% effective (1% back).
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $120 annual fee requires enough spend in bonus categories to offset.
What is the Zolve Signature welcome bonus?
In Madeen's catalog snapshot, the Zolve Signature welcome offer is $25. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm on the issuer application page before applying.
- Offer
- $25
- Terms (catalog snapshot)
- $25
Does the Zolve Signature have an annual fee?
The Zolve Signature has an annual fee of $120 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $120
- Foreign transaction fee
- None
What benefits come with the Zolve Signature?
The Zolve Signature includes Global emergency services, HealthLock, Instacart in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Mastercard Transit Benefit
$200/yrSave when you tap and go with your eligible Mastercard and receive a $2.50 statement credit when you spend $10 or more each month at participating transit systems.
Instacart
$140/yrGroceries and more delivered in as fast as one hour. Get $10 off your second order each month, and new Instacart+ members can also get three free months of Instacart+.
Global emergency services
$10/yrCall 1-800-MASTERCARD (1-800-627-8372) for 24/7 assistance to report a lost or stolen card.
HealthLock
$10/yrEnjoy a HealthLock for Mastercard Medical Claim Monitor complimentary membership plus a 90-day upgrade to all HealthLock services at no monthly cost.
Mastercard ID Theft Protection
$10/yrMonitor your credit file for fraud, get alerts for suspicious activity and access a resolution specialist.
Mastercard Music and Entertainment Access benefit
$10/yrMastercard gives you exclusive access to ticket presales at top venues and festivals across the U.S. Eligibility restrictions, exclusions and terms apply. Offer expires 3/31/2027.
Protection wherever you shop
$10/yrWith Mastercard Zero Liability protection you’re protected against unauthorized transactions in stores, online and in app.
Related encyclopedia topics
Common questions about the Zolve Signature
Does the Zolve Signature have an annual fee?
The Zolve Signature carries an annual fee of $120 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the Zolve Signature?
Dining is the strongest Madeen category for the Zolve Signature at about 1% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the Zolve Signature charge foreign transaction fees?
The Zolve Signature does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
What is the Zolve Signature welcome bonus?
The Zolve Signature welcome offer in our snapshot: $25. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Zolve Signature annual fee worth it?
Whether the $120 annual fee pays off depends on how much you spend in dining and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
What credit score do you need for the Zolve Signature?
Madeen's catalog lists a typical credit range of No Credit History / Rebuilding for the Zolve Signature. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification.
How does the Zolve Signature compare to similar cards?
Compare the Zolve Signature against crypto.com Obsidian (5% on Dining, $0 fee); crypto.com Frosted Rose Gold & Icy White (3% on Dining, $0 fee); crypto.com Royal Indigo & Jade Green (2% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Zolve Signature This card | Dining | 1% | $120 |
Community Federal Savings Bank | Dining | 5% | $0 |
Community Federal Savings Bank | Dining | 3% | $0 |
Community Federal Savings Bank | Dining | 2% | $0 |
Community Federal Savings Bank | Dining | 1.5% | $299 |
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for dining spend to see which cards win at checkout.
Related Madeen guides
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See how this card ranks in your wallet
Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Community Federal Savings Bank and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Community Federal Savings Bank. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure