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1 Star Rating
Exorbitant and ridiculous Annual Percentage Rates and $41 late fees. absolutely ridiculous, I am paying mine off asap. I do not recommend.
Product: Verve Credit Card
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Please find below credit cards offered by Continental Finance.
Compare Continental Finance Credit Cards
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One-Time Fees$95
Regular APR35.90% (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. It charges a one-time fee of $95 before the account is even open, then follows that 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
- 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)
One-Time Fees$0
Regular APR35.90% (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
- 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)
One-Time Fees$0
Regular APR35.9%
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.
- Fast and easy application process.
- Free online account access - 24/7.
- Credit limit ranges from $300 to $1,000.
One-Time Fees$0
Regular APR35.9%
One-Time Fees
$0
Regular APR
35.9%
annual fee
$125
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 are not willing to put down the deposit required to get a secured credit card. The Cerulean Card 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
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- High membership fees
- High regular APR
- 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).
- Additional cards require $30 one-time fee.
Featured Credit Cards
Ad DisclosureOne-Time Fees$0
Regular APR29.49% (V)
One-Time Fees
$0
Regular APR
29.49% (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
One-Time Fees$0
Regular APR35.9%
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
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Secured Credit CardMin Deposit of $200
One-Time Fees$0
Regular APR27.24% 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.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
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.
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
- 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.
Want more credit card options?WalletHub makes it easy to compare credit card across many companies.
Continental Finance Credit Card Reviews
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1 Star Rating
one sorry piece of work. I used my login information which is verified and still they say i do not have an account with them. truly a disgusting company. most of their employees crawl out from underneath their rocks everyday to come to work but then they crawl under the huge rock while at work.
Product: Continental Finance Credit Cards
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1 Star Rating
I just got this $400 Limit Fit Card. I tried to go to Jack In the Box to buy 2 tacos for $3 and charged it, but it was declined, and then I tried it again, declined again. So, I called Customer Service, and the person said I have to wait 24 hours to access or use the card because of the many attempts to charge at Jack In the Box. Please, do not get this card; it is hard to use anywhere. They rip you off to get your $95 and then try to slow down or not let you use your card. Terrible!
Product: FIT™ Platinum Mastercard®
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1 Star Rating
Just out for your money. This card started out fine; I paid the initial start-up fees, and it went well for the first 8 months or so. They offer you a credit increase but want to charge you a fee for it. I made online payments at their website and was just recently told that I have exceeded my ability to make online payments. I called the 800 number, and they charged me $6 to make a payment. My bank account was charged three times: once for the online payment and twice for the online payments that the website told me I was not allowed to make. In addition to the high monthly APR and annual fee, they recently started a monthly maintenance fee.
Product: Verve Credit Card
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1 Star Rating
Verified CustomerI paid the processing fee in cash at CVS on Friday, 06/06/2025, at 3550 W Sahara Ave. I gave the clerk my card. She processed it through the terminal as if I were buying a bottle of water. The lady at the bank said I couldn't have paid for it in cash at CVS checkout at the register. Nowhere did the card in my hand 'FIT' state that. My transaction was successful, and I got my receipt. So, on June 8th, 2025, the employee for the bank confirmed this, but she still could not authorize my activation. However, on a recorded line, she confirmed the processing fee being paid by me. So what do I do now?
Product: FIT™ Platinum Mastercard®
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1 Star Rating
Verified CustomerWorst card ever, no way to pay by Visa debit card unless you call in and spend an hour on the phone with non-English speaking representatives. Then they want to charge you to pay. They tell you to enter your account number and routing number. I'm definitely not doing that. I have 9 credit cards, and they're the only company I have to call and deal with this issue every month to pay. They need to add a pay-by-card feature on their app. I've absolutely had enough and am about to close this shoddy card.
Product: Reflex® Platinum Mastercard®
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1 Star Rating
Verified CustomerCard has been paid off for months; however, it still says on the credit report that I have a balance. Really? Account was closed by me. I have had nothing but headaches with them.
Product: Continental Finance Credit Cards
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1 Star Rating
Usually, I have no issues with this company's call center. However, you should probably not tell your customers to "call us back tomorrow." You should probably say, "Let me have someone call you back as soon as possible." I had no choice but to tell the lady, "Ma'am, that's not how customer service works." Other than that, it's usually great, but I'm not a fan. Please train your team better.
Product: Continental Finance Credit Cards
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1 Star Rating
When you try to contact them, they don't respond. I've been working on trying to get a response for well over a year, and when they do respond, they don't answer all the questions. They increased the fees without notification. And they removed the credit limit increase feature from the website, so you're essentially left with a card that is primarily for paying fees.
Product: Reflex® Platinum Mastercard®
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1 Star Rating
Verified CustomerHorrible! It's a scam! They claim it's a "processing fee" and promise that you'll receive your new credit card within 7 to 10 business days. Two months later, you receive an expired card, and when you try to call them, no one speaks English. The website only provides error messages, and no one ever responds to messages to provide any explanation. Continental Finance Company, LLC is a scam.
Product: Continental Finance Credit Cards
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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.
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0
UpvotesHow can I log in to my Reflex Mastercard account online?
Reply
Chip Lupo
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.
8
UpvotesHow can I log in to my Verve Credit Card account?
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Maria Adams
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.
What You Get with Verve Credit Card Online Access
- Pay bills or schedule payments
- View your...
0
UpvotesHow can I log in to my FIT Mastercard account online?
Reply
Chip Lupo
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.
- Click “Login To...
8
UpvotesHow can I pay my Reflex Credit Card?
Reply
James W Reed
You can make Reflex® Platinum Mastercard® payment online, by phone, through the Continental Finance mobile app, or by mail. To pay your Reflex bill online, log in to your online account and click on “Pay my Bills.” Then, choose how much to pay, when to pay it, and where the payment is coming from. Continental Finance does allow cardholders to set up automatic payments, too.
Ways to Make Reflex Payment
- Online: Log in...
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7
UpvotesWhat is the Fit Mastercard credit limit?
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Chip Lupo
The Fit Mastercard credit limit is $400. Everyone who gets approved for Fit Mastercard is guaranteed a credit limit of $400 no matter how creditworthy they are. If you are looking for a higher credit limit than $400, you should apply for a credit card from a different issuer.
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