This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.8
Other Features: 4.7
One-Time Fees→$0
Regular APR→35.90% (Fixed)
One-Time Fees
$0
Regular APR
35.90% (Fixed)
annual fee
$75 - $125
monthly fee
$0 1st year, up to $12.50 after
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Reflex Card is an expensive starter credit card for people with limited or no credit history, as well as those with bad credit looking to start over. It belongs to the Mastercard credit card network but is issued by Celtic Bank and managed by Continental Finance Company.
Pros
Qualify with limited or no credit history
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.3
User Reviews
3.5
Market Comparison
1.0
fees: 0.0
rewards: 0.0
cost: 0.2
Other Features: 5.0
One-Time Fees→$95
Regular APR→35.90% (Fixed)
One-Time Fees
$95
Regular APR
35.90% (Fixed)
annual fee
$99 intro 1st yr, $125 after
monthly fee
$0 1st year, $12.50 after
minimum credit
Credit Score Table
Bad
WalletHub's Take: The FIT™ Platinum Mastercard® is an expensive unsecured credit card for people with bad credit or limited credit history. The Fit Mastercard charges a one-time fee of $95 before the account is even open, then follows it up with an annual fee, which is joined by a monthly fee after 12 months. In return, Fit Mastercard users get a $400 credit limit and monthly reporting to the three major credit bureaus. There aren’t any rewards or other noteworthy perks.
Pros
Qualify with limited or no credit history
Does not require security deposit
Cons
One-time fees
High regular APR
Foreign fee
Additional Info
$400 Initial Credit Limit
Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.8
Other Features: 4.7
One-Time Fees→$0
Regular APR→35.90% (Fixed)
One-Time Fees
$0
Regular APR
35.90% (Fixed)
annual fee
$75 - $125
monthly fee
$0 1st yr, $12.50 after
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Surge® Platinum Mastercard® is a legit credit card for people with bad credit, issued by Celtic Bank. It reports to the three major credit bureaus each month, which allows cardholders to build credit by paying on time and using only a portion of their credit limit.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
1.0
User Reviews
2.5
Market Comparison
2.0
fees: 2.5
rewards: 0.0
cost: 1.1
Other Features: 4.7
One-Time Fees→$0
Regular APR→35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$75 - $125
monthly fee
$0 intro 1st yr, up to $12.5 after
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Verve Credit Card is available to people with bad credit and does not require a security deposit, but that’s about where the positives end. The card charges an annual fee of $75 - $125. The APR is one of the highest on the market, too. Cheaper alternatives exist, among both secured and unsecured
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Monthly reporting to the three major credit bureaus.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.9
User Reviews
2.9
Market Comparison
4.8
fees: 5.0
rewards: 0.0
cost: 5.0
APR: 5.0
Other Features: 4.7
One-Time Fees→$0
Regular APR→See Terms
One-Time Fees
$0
Regular APR
See Terms
annual fee
See Terms
monthly fee
$0
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Cerulean Credit Card is a good credit card to consider if you have bad credit or limited credit experience and you don’t want to put down the deposit required to get a secured credit card. It offers an initial credit limit of $300 to $1,000, and it will help you build credit if you pay the monthly bills on time.
Pros
No membership fees
Qualify with limited or no credit history
Does not require security deposit
Cons
Foreign fee
Additional Info
Initial Credit Limit ranges from $300 to $1,000
Potential credit limit increase after 6 months.
Helps you rebuild or improve your credit score by monthly reporting to the three major credit bureaus (TransUnion, Experian, Equifax).
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
3.0
User Reviews
3.7
Market Comparison
2.6
fees: 2.5
rewards: 5.0
cost: 1.5
Other Features: 4.7
One-Time Fees→$0
Regular APR→28.99% (V)
One-Time Fees
$0
Regular APR
28.99% (V)
annual fee
$75 intro 1st yr, $99 after
monthly fee
$0
rewards rate
0 - 1% Cash Back
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Credit One Bank® Platinum Visa® for Rebuilding Credit is a pretty good unsecured credit card for people with bad credit. The Credit One Visa Card can be worthwhile because it gives users a $300 initial spending limit, with no security deposit needed, in return for up to $99 in annual fees ($75 the first year). It also offers cash back rewards and monthly credit-bureau reporting.
Pros
1% cash back on eligible purchases
Available to people with bad credit
Automatic credit-line increase reviews
Cons
Annual fee of $75 intro 1st yr, $99 after
High APR
Low credit limit
Rewards Details
Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
Additional Info
With $0 Fraud Liability, you won’t be responsible for unauthorized charges
Automatic reviews for credit line increase opportunities
Looking to rebuild credit? We report to the major credit bureaus monthly
Free Online Credit Score and Credit Report summary, terms apply
This unsecured card requires no deposit and can help build your credit
Choose your monthly payment due date for added convenience, terms apply
Never miss an account update with customizable text and email alerts
Manage your account on-the-go with the Credit One Bank mobile app
Show off your personality by selecting from a variety of card designs, a fee may apply
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
2.0
User Reviews
3.4
Market Comparison
1.6
fees: 1.5
rewards: 0.0
cost: 0.6
Other Features: 5.0
One-Time Fees→$0
Regular APR→35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$175 1st yr, $49 after
monthly fee
$0 1st yr, $12.50 per month after
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Indigo Credit Card is an expensive credit card for people with bad credit, offering a $700+ credit limit with no security deposit needed. The Indigo Card has an annual fee of $175 for the first year ($49 after), which is joined by a monthly fee after 12 months.
Pros
Qualify with bad credit
Does not require security deposit
Cons
High membership fees
High regular APR
Foreign fee
Additional Info
Now with higher credit limits
Increase your access to available credit
Higher limit than before, still no security deposit required!
Greater access to credit than before
Less than perfect credit is okay
Mobile account access at any time
Account history is reported to the three major credit bureaus in the U.S.
This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Improve Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.
Editor’s Rating
5.0
User Reviews
3.7
Market Comparison
4.8
fees: 5.0
rewards: 5.0
cost: 5.0
Other Features: 3.0
Secured Credit Card→Min Deposit of $200
One-Time Fees→$0
Regular APR→27.24% Variable
Secured Card
Min Deposit of $200
One-Time Fees
$0
Regular APR
27.24% Variable
annual fee
$0
monthly fee
$0
rewards rate
1 - 2% Cash Back
minimum credit
Credit Score Table
Bad
WalletHub's Take: The Discover it® Secured Credit Card is 2025's best secured card because it has a $0 annual fee and gives good rewards on purchases. The Discover it® Secured Credit Card is also worth it because it matches the rewards new cardholders earn the first year as an anniversary present. The minimum deposit for the Discover it Secured Credit Card is $200, on the low end of minimum deposits for a secured credit card.
Pros
No annual or monthly fees & No fees for account opening
Up to 2% cash back
First-year rewards doubled
Relatively low minimum deposit
Cons
High regular APR
Rewards Details
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Additional Info
No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
30 points or more—that’s how much you could increase your FICO Credit Score on average after just six months of responsible use.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Activate by mobile app for free.
Get an alert if we find your Social Security number on any of thousands of Dark Web sites. Activate for free.
Terms and conditions apply.
Pros, Cons, & Details
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
This company is probably the worst regarding customer service that I've ever seen or dealt with. They do not correct their errors and they leave you hanging. When you pay your bill, you go to use your card and you find there's no available credit because they don't know what they're doing. They've moved to the back of the line as far as getting paid, as far as I'm concerned. Seriously, any other credit card would be better. They show you their network on one page of cards that you should not use because they're with the same company and I admit I was foolish for even going along with it, but I needed a card at the time. However, if you can't charge anything on it because nobody credits your account, it's not much good to you.
About five years ago, I came to this card because my credit was poor. It helped me, along with my car loan and four other cards, to improve my score from a 530 to a 767 in a year's time. However, since then, I have acquired a Citi card, a Discover card, and an American Express with very high limits. I no longer need or use this card. They are absolutely terrible at granting increases. I have had this card for almost six years and have only received a credit increase of $2,000. It's disappointing, and when I called about another increase, they said they no longer offered them, and communication is limited to phone only. I'm done with this company. You also get charged when you're not using it. I'm paying it off as fast as possible and closing my account. They're not fair at all & steal your money
These thieves are some of the worst in the credit card business. I closed the account that I had with them, and there was a negative amount when I did so. I was told that a check with the balance would be issued and sent back to me. I waited like two months and then called back. I was told that a check had been sent to me, and they had no idea what happened to that check. They said they would reissue the check and it should arrive in two to five days. Five days later, I received two checks. I cashed one and put the other one away. I called and told them about the checks and told them I am not cashing the other check since it doesn't belong to me. Two months later, their site still says I owe them the amount of the second check. I called and asked on two or three occasions to have that removed from the site, but they refuse to do so. I checked their site today, and now they have added a $28 late fee to that amount. Since this is most likely not going to get fixed amicably, I hired an attorney to bring a lawsuit for any damage to my credit report, since now I have a late fee that I haven't had in over a decade.
Applied with them in March, was approved for a $400 limit. They never shipped my card, and it is May now. They lied about it being shipped out several times and then informed me that once I pay my processing fee, then it will be shipped. Well, that was paid at the beginning of April, and still no card. This company is a scam, and I will be reporting them to the BBB.
Ridiculous, I just received my card today and I wish I hadn't activated it. The card has been declining all day; I was told that 1-2 hours after activation, it should be ready to use. It's been 9 hours and everything is still declining. They won't allow you to use Apple Pay without their approval, no international charges without approval, and I cannot use my card for Klarna, Zip, Afterpay, or even PayPal. I asked for a list of transactions that I can't use my card for, and they don't have one. It's a joke.
I opened an account with the intentions of using it on vacation. Then I used it one time and it went thru fine. Then got in walgreens for a 7 dollar purchase and it declined it. Called and they told me that they flagged it suspicious activity. When I told them that it was actually me that used it. They said that the card was locked now and that I would have to wait to get a new card in the mail.. So, that meant that I couldn't use it on vacation no more. So I was on my 28th anniversary trip and had 700 less than I thought I would have. So we didn't get to do any of the activities we wanted to do.
show more
show less
Product: Continental Finance Credit Cards
Comment
0
0
chinacat213 @chinacat213
Report Abuse
1 Star Rating
Verified Customer
I would leave less than one star if possible, since I paid the $95 to activate this card. The only thing the credit card is useful for is the $99 fee they charged me on top of the $95 fee. I can't use the card online, at Wawa, or even for gas. I feel like I was scammed out of my money, the $95 activation fee, and the $99 fee that they already charged my credit card. First, I was told we would activate within the hour, then I was told 24 hours. Now, four days later, it still doesn't work.
show more
show less
Product: Continental Finance Credit Cards
Comment
0
0
Stephen R @stever_58
Report Abuse
1 Star Rating
Verified Customer
Waste of time. I pay this card down to less than 20% each month, and every time I make a payment with the same bank account, they lock my card, then I have to call my bank for security issues. It is a total waste of time, as each call lasts an hour. I would not recommend this card to anyone, unless you really don't like them.
Avoid at all costs. I got this credit card and felt cheated as they are constantly changing terms and conditions. Their customer service representatives sound like machines talking and are not able to help at all. I paid it off, canceled it, and will cancel two more credit cards that I have with them and never go back. If you do decide to get this credit card, watch out every month for the fees. Good luck.
Do not recommend. First, their customer service is the worst. You can make a payment and the available balance doesn't update until two weeks later, sometimes longer. Don't call card services as they could care less, and their attitude and demeanor is terrible. Your card agreement will show you an annual fee, the website login will reflect your card agreement with the annual fee, but they will increase it without warning and claim they mailed out a notification of an increase (while your card agreement online still reflects the original price). Do not get this card.
show more
show less
Product: Continental Finance Credit Cards
Comment
0
0
Review Continental Finance Credit Card
Continental Finance Credit Card FAQ
Get answers to your questions about Continental Finance Credit Card below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
You can log in to your Reflex® Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your username and password in the appropriate fields. Then, click “Login to My Account” to access your online account.
How to Log In to a Reflex Credit Card Account
Go to the Reflex credit card login page.
Fill out the “username” and “password” fields with your credentials.
Click “Login to My Account” to access your account.
After you have logged in, you'll be able to manage your Reflex card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot Username or Password?” on the Continental Finance login page. Then, follow the prompts to reset or retrieve your username or password.
To log in to your Surge Credit Card account, access the issuer's online banking platform. If you haven't registered your card for online banking yet, you can do it by clicking on “Register for Access”.
You can also access your account via the issuer's mobile app for iOS and Android.
From your online account, you're able to view your statements, make payments, check your transactions or report your card lost/stolen.
You can log in to your Verve Credit Card account online. Enter your username and password, then click on “Login to my account”. If you don't have an account yet, you'll need to register your card first by clicking on “Register for Access”.
You can also log in to your account through the issuer's mobile app for iOS and Android.
You can log in to your FIT™ Platinum Mastercard® account by going to the login page on the Continental Finance website or mobile app and entering your username and password in the appropriate fields. Then, click “Login To My Account” to access your online account.
How to Log In to a Fit Mastercard Account
Go to the Fit Mastercard login page.
Fill out the “Username” and “Password” fields with your credentials.
Yes, the Surge Credit Card does have pre-approval. Celtic Bank has an online pre-approval page where potential applicants can quickly check their odds of approval for certain Celtic Bank credit cards before they actually apply for one. Current Celtic Bank customers may also receive pre-approved offers periodically by e-mail or when logging into their credit card account. And in some cases, Celtic Bank will mail people pre-approved offers for a specific credit card.
Ad Disclosure:
Certain offers that appear on this site originate from paying advertisers. For full transparency, here is a list of our
current
advertisers.
Advertising impacts how and where offers appear on this site (including, for example, the order in
which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible
and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does
not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those
are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict
editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch
content, data, and tools. You are responsible for deciding what financial products and providers are best
for your needs.
Irrespective of whether an institution or professional is a paid
advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the
institution or professional by us or vice versa.
We work hard to show you up-to-date product terms, however, this information does
not originate from us and thus, we do not guarantee its accuracy.
Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering
institution. Please let us
know if you notice any differences.
* The information about the following cards has been independently collected
by WalletHub: Verve Credit Card and Cerulean Credit Card.
