Continental Finance Matrix Unsecured Card - OFFER EXPIRED

  • The Continental Finance Matrix Unsecured Card enables individuals with average or fair credit scores to receive a major credit product.
  • With this card, you will have access to millions of merchants as well as be able to make purchases over the phone and Internet.
  • No application fees.
  • Use your card at locations everywhere Discover® is accepted.
  • Build positive credit by making monthly payments on time.
  • Free online account access 24/7
  • Fast and easy application process; results provided in seconds
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
$75
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See Terms
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Annual Fee
Purchase Intro APR
$75
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Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
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See Terms
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Offer Details

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions the provider's website.

Cash Advance Rate See Terms
Cash Advance Fee 5%, Min: $5
Late Fee Up to $35
Balance Transfer Fee N/A

Savings

Savings over 1 year ‑$75
Savings over 3 years ‑$225

Transaction Type Value

Savings Details

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Anonymous
It is not that bad!
by Anonymous
Helpful to 129 out of 147

Sadly most that post here  not part of the norm at all. Yes we know the 75 buck fee. and after a year 12 a month. Who here can't get gas with this card? I sure can. And a car rental. Think about it. If the car place takes Discover, they have to take it. It is not a debit card. ( I am talking about the unsecured one)

Yes when it gets close to 1 year I wil most likely cancel. But if you look on a credit report, you need revolving credit to help your score. it is a percentage of 1/5 or more. So get this card. Pay the 75 fee.

Here is the trick to getting your score up!

Let them send you a paper bill for 4.95, and pay that each month. That is 5 bucks out of 300 used.

1st it shows a very low use to credit ratio. AND Shows monthly use to credit companys!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
MyCaliCredit
by MyCaliCredit
Helpful to 460 out of 479

The Continental Finance Matrix Unsecured Card by Discover is not consistent with the intent of most secured credit cards.  If the idea is to restore your credit, DO NOT, UNDER ANY CIRCUMSTANCE, use this card.  Let me say this again, if the idea is to restore your credit, DO NOT, UNDER ANY CIRCUMSTANCE, use this card.  Although there is an annual fee, the Capitol One lines of secured Cards are much better.  I have both a secured Platinum MasterCard (which raised my credit score by 15 points) and a Platinum Rewards Master Card.  I was going to apply for the Continental Finance Matrix Unsecured Card by Discover until I read the fine print.  You are immediately charged $75 and beginning the 13th month, you pay a $12 maintenance fee.  So in 2 years of ownership, this card will cost $294 + whatever you spend, + the interest.  By contrast, my Cap 1 Secured MC cost me $39 annually. And since I rarely carry a balance over $50 (because I always pay off purchases during the 21 day grace period), I’ve paid only $2.00 in interest since Nov 2011.  So my anticipated total ownership cost over 2 years will be $90, a $200 real world savings.  DO NOT EVEN CONSIDER THIS CARD.  THERE ARE MUCH BETTER OPTIONS.


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Continental Finance Matrix Unsecured Card - OFFER EXPIRED

Balance Transfer Intro APR Purchase Intro APR Regular APR

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† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2014 through March 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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