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Cerulean® Platinum Mastercard®


Image of the Cerulean Platinum MastercardImage: Image of the Cerulean Platinum Mastercard

56 reviews from verified cardholders


Rating: 2.5 out of 5.
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Great for access to unsecured credit

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Annual fee: $125

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Member stats

Updated: November 1, 2023

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Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

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42 years

Average age of members who matched this card or similar cards.

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Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.

Card highlights

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Encourages people with less-than-perfect credit to apply

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Pathway to increased credit limit

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Reports to all three major credit bureaus

Member reviews

Updated: November 8, 2023

Overall rating:


Rating: 2.5 out of 5.

56 reviews from verified cardholders

Most helpful positive review

June 17, 2022

Rating: 5 out of 5.

Changing odds?

Credit Karma Member, Verified cardholder

So Credit Karma had my odds of getting this card as excellent. I applied and was instantly approved for $750. The next day my odds for the same card was changed to poor. I was skeptical because my credit score is in the toilet (574) so I didn't expect the card to come, just a denial letter. That was 2 weeks ago and today I got the letter. With the card! I activated it and plan to use it sparingly each month and pay it in full on the billing dates. I will see what happens in 6 months!

Most helpful negative review

September 7, 2022

Rating: 1 out of 5.

Wow What a Mistake to Apply

Credit Karma Member, Verified cardholder

Credit Karma how can you do that to people. Give them an outstanding approval and when they apply they are denied. BUT that is not all. I had a drop in my credit score of 75 and 64 points. What does someone who was rebuilding their credit do now? I would have never applied if I knew this would happen. It takes so long for the rebuilding creditor to get up their and in 1 click you are down in the sewer. I will never do this again. Take my advice do not apply for this card.

All member reviews