Cerulean Credit Card Reviews: Is It Worth It? (2025)Reviews, rates, fees, and customer service info for The Cerulean Credit Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubQualify with limited or no credit historyDoes not require security depositHigh membership feesHigh regular APRForeign fee
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.
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. Info about the Cerulean Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.0/5
115 reviewsRead and write reviews
Editor’s Review
2.9/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
2.1
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Rebuild Damaged Credit” for this card.
Fees
2.7
Rewards
0.0
Cost
1.5
APR
0.0
Other Features
4.7
2.1/5
Compared against 1,500+ credit cards
KEY TERMS
Credit Score
Credit Score
Fair Credit, Limited History, No Credit, Bad Credit
Fees
One-Time Fees→$0
Annual Fee→$125
Monthly Fee→$0
APR on Purchases
35.9%
Cerulean Credit Card's 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).
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.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.
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
3.0
Market Comparison
2.1
fees: 2.7
rewards: 0.0
cost: 1.5
APR: 0.0
Other Features: 4.7
1.8WalletHub Rating
WalletHub Rating
1.8
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
3.5WalletHub Rating
WalletHub Rating
3.5
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.
Can't find what you are looking for? Submit your question about Cerulean Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. 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.
The easiest way to apply for the Cerulean Credit Card is online, and you can get to the online application by clicking the “Learn More” button on WalletHub or by going directly to Continental Finance's website. Alternatively, you can apply by phone.
Keep in mind that the Cerulean Credit Card requires bad credit, which means you need a 500+ credit score for high approval odds. Also note that applying for the card triggers a hard inquiry, which may temporarily hurt your credit score. So, it's good to know what your chances are before applying. You can check your credit score for free here on WalletHub.
Ways to Apply for the Cerulean Credit Card
Online: Applying online is the fastest and most straightforward way. You can do that by clicking “Learn More” on sites like WalletHub or through Continental Finance's website. You will then need to fill in your personal and financial information.
By Phone: Call (866) 449-4514 and follow the prompts to get connected with a customer service representative. You will then be guided through the application process.
How to Apply for the Cerulean Credit Card Online
Go to the application page on Continental Finance's website or click the “Learn More” button on sites like WalletHub to be taken there.
Read over the terms and conditions of the card to make sure you understand how the card works before you apply.
Fill in the requested personal information such as your name, address, phone number, SSN or ITIN, and date of birth.
Fill in the requested financial information such as your income, sources of income, employment status and housing status.
Authorize Continental Finance to do a hard pull of your credit report, which will help them evaluate if you are qualified to get the card.
Double check to make sure the application is complete and all the information is accurate.
Submit the application.
Once you've submitted your Cerulean Credit Card application, you may receive a decision right away. However, it can take Continental Finance up to up to 30 days to reach a decision. If approved, you'll get your new card in the mail within 7-10 business days.
You can check your Cerulean Credit Card application status by calling 1 (866) 449-4514. When you call, you'll need to provide your Social Security Number so that the issuer can match you to your application. The issuer does not allow you to check your application status online
How to Check Your Cerulean Credit Card Application Status
You can request a Cerulean Credit Card credit limit increase by calling customer service at 866-449-4514. To raise your chances of being approved for a higher credit limit, pay your bill on time for at least six straight months, reduce your outstanding debt, and update the income Continental Finance has on file. Continental Finance will be more likely to increase your credit limit if the revised income clearly shows that you can afford a higher limit.
The only way you can set a PIN number for your Cerulean Credit Card is by calling customer service at (866) 449-4514. Follow the prompts until you're connected to a representative to request a personal identification number. Once requested, your PIN should arrive in the mail within 7-10 business days.
How to Set a PIN Number for your Cerulean Credit Card
Call customer service at (866) 449-4514, or call the number you see on the back of your...
The Cerulean Credit Card is available to people with bad credit. That means people with credit scores below 640 have a shot at getting approved for the Cerulean Credit Card.
Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Cerulean Credit Card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment...
The cash advance limit for the Cerulean Credit Card is 100% of the credit limit. Please note that you are only allowed to withdraw a maximum of $200 per day and $100 per transaction.
It's important to mention that cash advances can be very expensive. The Cerulean Credit Card charges a cash advance fee of 3% (min $10). You'll also have to worry about a cash advance APR of 35.9% that applies as soon as you make the...
You can make a Cerulean Credit Card payment online, by phone, or by mail. To pay a Cerulean Credit Card bill online, log in to your online account and click on “Make a payment.” 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.
To talk to Cerulean Credit Card customer service, call 1-866-449-4514 and then press 1 and listen to the options offered by the automated system and choose the option that best describes the reason for your call, or wait on the line. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to Cerulean Credit Card Customer Service by Phone
You can rent a car with your Cerulean Credit Card by using it to pay for the costs of the rental, either in person or online. Because it's on the Mastercard network, the card is accepted almost everywhere, including car rental agencies.
What to Consider Before Renting a Car With Your Cerulean Credit Card
Credit Limit. Ensure that your card has a sufficient credit limit to cover the estimated cost of the rental. That's the case...
Share your insights and review for the Cerulean Credit Card
5
30%
4
14%
3
15%
2
15%
1
26%
3.0
115 reviews
115 reviews
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Jennifer Fussell @raje12raje
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1 Star Rating
Verified Customer
Was a decent credit builder until today. I received an email stating that the terms are changing come November 2025. Now I will not only be paying the $125 per year but also a $10 monthly fee starting in November. I will be closing this card with the $2000 credit limit. I'll just use the ones with the lower credit limits and give them my business.
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Valri Crain @vcrainatm_1
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3 Star Rating
Verified Customer
Up until today, I would have said the card is good. I started with a $750 limit, now it's $2700. I've had the card for 4 years. However, today I received a notice that they will start charging a $10 monthly maintenance fee. This is in addition to the $150 annual fee I'm already charged. Paying $270 a year for a credit card is excessive. I will be closing this one when it's paid off.
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2
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nay ma @shan123
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1 Star Rating
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.
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0
0
Katrina Gregory @katrinag9
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1 Star Rating
I just got the card and was reading the terms. I was approved for $1000, yet they are going to charge a fee of $225. Yeah, no thank you. I was really close to activating it too. No thank you!
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millertime76 @millertime76
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1 Star Rating
Absolute joke! Offered me a Mastercard with a $1,000+ annual fee. I paid the annual fee. They cancelled that card and sent me another card with $750 and required another annual fee. Told them to cancel both of them and remove me entirely. Update: they edited this post without my approval to make it look better. You get the point!
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1
0
Scott Gerow @sgerow70
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1 Star Rating
Just received a letter in the mail stating that they are raising my APR to 35.9% and that they will be starting a $150 annual fee! I instantly called and completely canceled my card.
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1
0
Victoria Dunne @mommysajay1101
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1 Star Rating
Worst card I have ever dealt with, please stay far away from it! My card was stolen and used in another state while I was having surgery. I reported it and was told I would be credited for the charges, but four days later, after a supposed investigation, they put the charges back on my card. I called again and was told they would reopen the investigation, which they didn't. I called again and was told I needed to email them to have it reopened, which I did, and within one day it was closed again, even after I told them I have proof I was in the hospital recovering from surgery. On top of that, not only was I charged once, but they charged me twice for the same charges that were made when my card was stolen! Total scam! Reported to the BBB! Please don't get this card; this company is terrible.
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2
0
Hazel Jones @hjones14215
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1 Star Rating
Worst card ever, I've only had the card for two months and they froze my card claiming it was a returned check fee of $30. I paid my balance in full both months from my checking account, and the money was in my account the day I paid through the app. Yet, it takes almost two weeks for them to post the money to your card. Merrick Bank is better. I would not recommend the Cerulean credit card to anyone on earth. When I called to tell them to close my account, they asked me why. I said I wanted to close it because it's my decision and that they treat customers poorly and customer service is too dishonest for me.
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lloydtimm80 @lloydtimm80
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1 Star Rating
Had the card for 3 days; it worked fine the first day. The second day, it worked for 2 transactions, then it flagged Walmart as a risky transaction and locked my card for fraud. The third day, I used it at McDonald's, and then it decided Hy-Vee, a local food store, was a risky transaction and locked my account. The card resolution center just keeps repeating over and over that it's not a problem with the card; it's the fraud filters.
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aspire Sucks @aspiresuks
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1 Star Rating
Junk card, very low limit with annual fees, there is no way to cancel online. Got notice stating yearly fee would increase from $99 to $150. Cerulean is owned by Bank of Missouri and serviced by Continental Finance. Both are untrustworthy corporations that have many class-action lawsuits as well as CFPB action taken against them.
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