Startup Vera Credit identifies the 43 million Americans with prime and near-prime credit scores as the sweet spot for its no-annual-fee rewards credit card. The opportunity exists because established issuers target them mostly with balance transfer offers to immediately grab revolving credit revenue. Superprime credit scores are the most contested battleground for new credit offers, including travel-oriented products, and the subprime market can’t be considered underserved because so many fintechs make offers to that segment. Vera Credit launched this month with a direct mail campaign,...