| Name | Score | Visit | Annual Fee | Regular APR | Intro Offer | Credit Needed | Disclaimer | |
|---|---|---|---|---|---|---|---|---|
 | 6.8 | Visityourceruleancard.com | $75–$120 | 19.65%–24.90% | N/A |
If you’re looking to build or rebuild your credit, this guide will help you decide if the Cerulean credit card is the right fit for your financial journey.
Whether the Cerulean card is worth your time (and money).
Its pros, cons, benefits, and fees.
Top alternatives.
Read more:
Cerulean Credit Card at a Glance
Full name: Cerulean Mastercard credit card
What’s the card good for: Building, rebuilding, fixing credit
Issuer: Bank of Missouri
Serviced by: Continental Finance
Required credit score: No credit score required to apply
What Is the Cerulean Credit Card from Continental Finance?
The Cerulean Credit Card (issued by the Bank of Missouri and serviced by the Continental Finance) is designed for those looking to establish or rebuild their credit.
It accepts folks with either bad, damaged, or no credit history at all.
Cerulean Credit Card: Overall Card Review
 | |
Category | Features |
APR | 19.65%–24.90% |
Annual fee | $75–$120 |
Starting limit | $300–$1,000 |
Overall credit card rating | 3.4/5 |
Key Cerulean Mastercard Credit Card Fees & Rates
Now onto those pesky fees:
FEE | DETAIL |
|---|---|
Annual fee | $99–$120* |
Monthly maintenance fee | $10** |
APR | 19.65%–24.90% |
APR for cash advances | 19.65%–24.90% |
Balance transfer fee | N/A |
Cash advance fee | $5.00 or 5% (whichever is greater) |
Foreign transaction fee | 3% |
Late fee | Up to $37 |
Minimum interest charge fee | None |
Returned payment fee | Up to $37 |
Additional card fee | $30 (one time, if applicable) |
*The annual fee for some cardholders is $75 for the first year.
**If billed monthly instead of an annual fee.
Cerulean Credit Card: Pros & Cons
- Credit building tool.
- Credit limit increases.
- Reports to credit bureaus.
- No security deposit.
- Mastercard Zero Liability Protection.
- High fees.
- Limited benefits.
- Possible low credit limit.
- High interest rate.
Pros—why we like it
Credit building tool
The Cerulean card was designed specifically for those with limited or damaged credit history. It reports to all three credit bureaus, and if you use it responsibly, you can build credit fast.
Credit limit increases
Again, with responsible card use, you can qualify for credit limit increases as soon as after six months.
No security deposit
In contrast to secured credit cards often recommended for individuals with poor or no credit history, the Cerulean credit card doesn’t require any upfront deposit to open an account.
That makes it a more accessible option for credit rebuilding.
Mastercard Zero Liability Protection
You can enjoy peace of mind with this card. If anything odd were to happen, you’d be out of the loop.
Cons—things to keep in mind
High fees
The fees will depend on your creditworthiness—but the annual fee ranges from $75 in the first year to even $120 in the second year. There are some cheaper alternatives.
Read more:
Limited benefits
Cerulean lacks rewards, cashback, or significant perks compared to other cards. But then again, who thinks about earning cashback if they’re focused on building credit, right?
Possible low credit limit
The initial credit limit could be low, making it less helpful for larger expenses. The starting limit is from $300 to $1,000—but the associated fees will make it even smaller.
Remember
Always remember that to successfully build a good credit score, you need to spend way less than 30% of your limit.
High interest rate
Carrying a balance on the card may cause you to end up with high interest charges.
What You Need to Know About the Cerulean Mastercard
Cerulean credit card credit score needed
The Cerulean credit card from Continental Finance is designed for customers who need some help fixing up their credit.
To get one, you’ll probably need a credit score between 550-650 (but other finances like your income and debts matter too).
If you’re smart with it—pay on time, don’t max it out—using this card can boost your credit score over time, opening doors to more financial goodies down the road.
Application process
To apply for a Cerulean credit card: visit their website, call 1-866-513-4598, or return the offer you got in the mail.
If you go through the Cerulean credit card pre-approval process and get approved, it doesn’t mean you’ll get the card.
The issuer will do a hard pull on your credit report and assess different aspects of your financial situation to decide whether you qualify for the card.
Remember
If you want to get a credit card ASAP, Continental Finance might not be the best option for you. A lot of online reviewers mention they had to wait a long time to get their card after being officially approved for it.
You can check the application status of the Cerulean credit card using the same details you used to apply.
Continental Finance customer service
To contact Continental Finance, you can:
Visit their website.
Call them on866-665-7967.
(Office hours: 8 a.m. to 6 p.m., Monday through Friday, ET.)
Shoot them the old-school mail at the Continental Finance address:
Cerulean Card
P.O. Box 3220
Buffalo, NY 14240-3220
Cerulean Customer Service Reviews Found Online
Out of 3,219 customer reviews on Trustpilot, only 71 were one-star.
Here are some of them—
“I called three times today because they froze my card for whatever reason. I called to see why that was & the first guy pretended he didn’t hear me say my name three times, so he hung up, so I called back again & another guy answered & said I needed to call back in 23 minutes because he didn’t have anyone to assist me? Then why did you answer the phone? What kind of service?”
“I spoke with someone on the phone twice about trying to register to make payments on the mobile app. I was referred to IT both times I was told someone would call me back with instructions. I’ve been waiting for about four days now.”
“I applied for the Cerulean card through Credit Karma and was approved for 1,000. To date, still no card nor no new account added to my credit. But they have my personal information.”
But then, there are 3,000 reviews like these—
“I was having problems getting registered and spoke with Michelle, who not only successfully helped me get registered, but she was super friendly, professional, and personable.”
“The agent was awesome! He was understanding of my situation and helped me get caught up on my bill. This was my first experience with customer service, as I usually take care of my payments on the app.
I am beyond satisfied with the service, the professionalism, and the personable treatment I received, despite the fact that I was past due.”
Alternatives: How Does Cerulean Card Compare to Other Credit Cards for Bad Credit?
Cerulean Mastercard® 3.4 |  FIT Mastercard® 2.8 |  Surge® Mastercard 2.5 |
Annual Fee $75–$120 | Annual fee $99 | Annual fee $75–$99 No upfront fee |
APR 19.65%–24.90% | APR 29.99% | APR 24.99%–29.99% |
Starting Limit $300–$1,000 | Starting limit $400 | Starting limit $300–$1,000 |
Learn more about the FIT card by reading our honest FIT credit card review.
Need even more options? Check out these cards—
Reflex® Platinum Mastercard®
Annual fee: $60–$120
APR: 29.99%
Starting limit: $300–$1,000
Hard inquiry: Yes
Learn more about the Reflex card by reading our detailed Reflex® Platinum Mastercard® review.
Verve credit card
Annual fee: $99
APR: 25.90%–29.99%
Starting limit: Up to $1,000
Hard inquiry: Yes
Read more:
Cerulean Credit Card: Useful Links
Activate your Cerulean Mastercard on the issuer’s website.
Visit Continental Finance’s Cerulean credit card sign-in page.
Manage your account online here.
Learn more about owning a credit card at the Consumer Financial Protection Bureau’s website.
Get your free FICO score.
Download our free credit card payoff calculator.
Is the Cerulean Credit Card Good for Me?
To figure out if the Cerulean Credit Card vibes with your situation, ask yourself these questions:
Do you mainly want to improve your credit score?
Are you cool with the annual fee and other costs tied to this card?
Are you okay with no rewards or cashback as long as your credit gets better?
Would you rather have a secured card with a deposit, or do you like that Cerulean doesn’t need one?
Can you stay on track with payments and steer clear of high interest charges by paying your card in full each month?
Remember
Your answers will help you decide if the Cerulean Credit Card is your go-to card for reaching your financial goals.
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