Continental Finance CREDIT CARDS

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Founded in 2005, Continental Finance is a growing brand in the credit card space. As one of the country’s top servicers of credit cards, you should learn more about this company before making a final decision. Not only does Continental Finance have experience managing more than 2 million credit cards, but it is also known for providing one of the best customer service experiences. As a company geared toward consumers with less than perfect credit, you may find that it has at least one offer that will suit you well.

Reflex® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR 35.90% Fixed

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

  • Credit Needed: Bad/Fair
  • Purchase Intro APR : N/A
  • Balance Transfers Intro APR : N/A
  • Regular APR: 35.90% Fixed
  • Annual Fee: Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
  • Cash Advance Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
  • Cash Advance Fee – Credit Limit of $750 or $1,000: Either $10 or 3% of the amount of each Cash Advance, whichever is greater from the date your Account is opened.
  • Foreign Transaction Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
  • Foreign Transaction Fee – Credit Limit of $750 or $1,000: 3% of each transaction in U.S. dollars from the date your Account is opened.
  • Monthly Servicing Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
  • Late Payment Fee: Up to $41
  • Returned Payment Fee :Up to $41

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.90% Fixed
Annual Fee Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR n/a
Cash Advance Fee Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Grace Period n/a
Late Payment Fee Up to $41
Overlimit Fee n/a
Return Check Fee Up to $41
Foreign Transaction Fee Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
Balance Transfer Fee n/a

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

Intro Purchase APR N/A

Intro Balance Transfer APR n/a

Annual Fee Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually

Credit Recommended Good/Fair/Bad

Regular Purchase APR 35.90% Fixed

Full Details Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
Give Your Credit a Surge

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works

The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?

If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Additional Info

  • Credit Needed: Bad/Fair
  • Purchase Intro APR : N/A
  • Balance Transfers Intro APR : N/A
  • Regular APR: 35.90% Fixed
  • Annual Fee: Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
  • Cash Advance Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
  • Cash Advance Fee – Credit Limit of $750 or $1,000: Either $10 or 3% of the amount of each Cash Advance, whichever is greater from the date your Account is opened.
  • Foreign Transaction Fee – Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
  • Foreign Transaction Fee – Credit Limit of $750 or $1,000: 3% of each transaction in U.S. dollars from the date your Account is opened.
  • Monthly Servicing Fee: Credit Limit of $300 or $500: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
  • Late Payment Fee: Up to $41
  • Returned Payment Fee :Up to $41

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.90% Fixed
Annual Fee Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
Credit Recommended Good/Fair/Bad
Cash Advance APR See Terms
Cash Advance Fee Credit Limit of $300 or $500: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Grace Period n/a
Late Payment Fee Up to $41
Overlimit Fee See Terms
Return Check Fee Up to $41
Foreign Transaction Fee Credit Limit of $300 or $500: $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
Balance Transfer Fee n/a

FIT™ Platinum Mastercard®

Fast & Easy Application; Results Online in Seconds

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $99 introductory fee for the first year, then $125 thereafter

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR 35.90% Fixed

Full Details Card Page

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

  • Purchase Intro APR : N/A
  • Annual Fee: $99 introductory fee for the first year, then $125 thereafter
  • Balance Transfers Intro APR : N/A
  • Credit Needed: Bad/Fair
  • Regular APR: 35.90% Fixed
  • Processing Fee: $95 (one-time fee)
  • Monthly Servicing Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
  • Cash Advance APR: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
  • Foreign Transaction Fee : $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
  • Late Payment : Up to $41
  • Returned Payment : Up to $41

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.90% Fixed
Annual Fee $99 introductory fee for the first year, then $125 thereafter
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Advance Fee See Terms
Cash Grace Period See Terms
Late Payment Fee Up to $41
Overlimit Fee See Terms
Return Check Fee Up to $41
Foreign Transaction Fee $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
Balance Transfer Fee See Terms

FIT™ Platinum Mastercard®

Fast & Easy Application; Results Online in Seconds

Intro Purchase APR n/a

Intro Balance Transfer APR n/a

Annual Fee $99 introductory fee for the first year, then $125 thereafter

Credit Recommended Good/Fair/Bad Credit

Regular Purchase APR 35.90% Fixed

Full Details Card Page

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Additional Info

  • Purchase Intro APR : N/A
  • Annual Fee: $99 introductory fee for the first year, then $125 thereafter
  • Balance Transfers Intro APR : N/A
  • Credit Needed: Bad/Fair
  • Regular APR: 35.90% Fixed
  • Processing Fee: $95 (one-time fee)
  • Monthly Servicing Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
  • Cash Advance APR: $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
  • Foreign Transaction Fee : $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
  • Late Payment : Up to $41
  • Returned Payment : Up to $41

Specifications

Intro (Purchases) n/a
Intro (Transfers) n/a
Regular APR 35.90% Fixed
Annual Fee $99 introductory fee for the first year, then $125 thereafter
Credit Recommended Good/Fair/Bad Credit
Cash Advance APR $0 introductory fee for the first year, then either $10 or 3% of the amount of each Cash Advance, whichever is greater.
Cash Advance Fee See Terms
Cash Grace Period See Terms
Late Payment Fee Up to $41
Overlimit Fee n/a
Return Check Fee Up to $41
Foreign Transaction Fee $0 introductory fee for the first year, then 3% of each transaction in U.S. dollars.
Balance Transfer Fee See Terms

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Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. Some cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.

General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)

Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).