Cerulean® Platinum Mastercard®
Image: hands-thumbs-upGreat for access to unsecured credit
Image: cashAnnual fee: $125 (you may see different offers on Credit Karma)
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
The average credit limit for members who have matched with this card or similar cards is $941, 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
The average credit score for members who have matched with this card or similar cards is 569, with 557 being the most common. Note this is just one of the deciding factors when it comes to getting approved.
Member stats
Updated daily
Image: low-utilization59.2%
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.
Image: meetup45 years
Average age of members who matched this card or similar cards.
Image: cash-give-1$74,940
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
Image: yesEncourages people with less-than-perfect credit to apply
Image: yesPathway to increased credit limit
Image: yesReports to all three major credit bureaus
Member reviews
Most helpful positive review
April 17, 2024
Happy so far
— Credit Karma Member, Verified cardholder
I was approved for this card right after my bankruptcy discharged. To my surprise, I was given $1000 credit limit. Yes, the card has a higher interest rate, but that’s to be expected. I did receive the card about two weeks after I applied.
Most helpful negative review
February 5, 2024
Hope your card is never stolen
— Credit Karma Member, Verified cardholder
Cerulean card services has been made aware that my card was stolen and someone attempted to use it to make a very large purchase. The purchase was approved for $932.49 and within an hour of this transaction I called them immediately to inform them of the incident because I was unaware that my card was not in my possession. I was told I would not be held liable for unauthorized transactions. However, almost 20 days later the charges has not yet been removed from my account and I’m getting the runaround and incomplete answers from any customer rep. I speak to. At first, I was told a credit would be issued to my account and then investigation will be launched. No credit was issued to my account the day off or a week off the report. When I called back, I was told it can take up to 3-10 days. Before an investigator is assigned to the claim and no credit would be issued until someone is on the case. Then, over 10 days later, I’ve reached out yet again and I’m being told it can take 3 to 4 weeks before an investigator is assigned or anything is done about it. And now after calling again to follow up, I’m being told there’s no actual time estimate to when an investigation will be completed or any funds credited. Meanwhile, this charge and utilization is being reported to my credit bureau and dropping my score. It doesn’t seem like this company intends to follow through with any promises made to me. With every phone call and long hold time, my only resolution is that “your complaint has been notated and there’s nothing else we can do.” My biggest concern is after enough time goes by if the company tries to hold me liable for the transaction, there’s now very little proof I could dig up or get to clear my name. They’re letting all this time go by and it really is concerning and seems very shady. I am writing the Better Business Bureau to try and look into this matter further to see if there’s any other channels, I can use to get results for a more conclusive answer.