1. Credit Cards
  2. Insights
  3. Cerulean® Platinum Mastercard®

Cerulean® Platinum Mastercard®

Updated:

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

63 reviews from verified cardholders

2.5

Rating: 2.5 out of 5.
hands-thumbs-upImage: hands-thumbs-up

Great for access to unsecured credit

cashImage: cash

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.

Here’s the average credit limit of members who matched their Cerulean® Platinum Mastercard® or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 96% 3% 1% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 96% 3% 1% 0% 0%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 100% 96% 3% 1% 0% 0%

The average credit limit for members who have matched with this card or similar cards is $915, with $300 being the most common.

Here’s the average credit score of members who matched their Cerulean® Platinum Mastercard® or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 84% 11% 3% 1%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 84% 11% 3% 1%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 1% 84% 11% 3% 1%

The average credit score for members who have matched with this card or similar cards is 568, with 562 being the most common. Note this is just one of the deciding factors when it comes to getting approved.


Member stats

Updated daily

low-utilizationImage: low-utilization

60.4%

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.

meetupImage: meetup

44 years

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

cash-give-1Image: cash-give-1

$68,787

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

yesImage: yes

Encourages people with less-than-perfect credit to apply

yesImage: yes

Pathway to increased credit limit

yesImage: yes

Reports to all three major credit bureaus



Member reviews

Overall rating:

2.5

Rating: 2.5 out of 5.

63 reviews from verified cardholders

Most helpful positive review

June 17, 2022

5

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

1

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