Offered by: Services CU

Continental Finance Cerulean Hybrid Card

  • The Continental Finance Cerulean Hybrid Card uses a variety of financial information to make you a credit offer that fits your financial situation.
  • You may be offered an unsecured credit card, a partially secured credit card, or a secured credit card. Our offer is tailored to each individual.
  • 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
  • Make Low Monthly Payments on all your card purchases!
  • Poor Credit? No Credit? No Problem
  • 537 Average Credit Score Approved for this Card
    493 Lowest Credit Score Approved for this Card
    Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR



    See Terms




    Not Applicable


    * 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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

    Offer Details:

    Cash Advance Rate


    Annual Fee


    Late Fee

    Up to $35

    Cash Advance Fee

    5%, Min: $5

    Balance Transfer Fee


    Saving Details

    Year 1

    Year 2

    Year 3

    Balance Transfer Cost




    Interest Savings on Transferred Balance




    Interest Savings on New Purchases




    Value of Rewards on New Purchases




    Value of Bonus Points




    Annual & Application Fees




    Total Annual Savings




    Total Savings over 3 Years


    Credit Card Usage Profile

    Transfer a Balance

    • Balance to Transfer: $2,500
    • Monthly Paydown: $600
    • APR: 21.99%

    Earn Rewards

    • $1,000 Monthly Spending
    • $45 Gas
    • $75 Groceries
    • $20 Travel
    • $50 Restaurants
    • $50 Entertainment
    • $760 Other

    Establish or Build My Credit

    Card Details
    • Annual Fee: $75
    • Minimum Deposit: $0

    Finance a Large Purchase

    • Initial Purchase Amount: $3,000
    • Monthly Paydown: $60
    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.

    Compare Holders of This Card

    Continental Finance Cerulean Hybrid Card Cardholder Comparison Coming Soon!

    We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

    20 Cardholder 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 Recent Reviews

    The worst credit card company out there. Helpful to 1 out of 1 people

    I have had this card for six years. I have always paid my bill before the due date. I have never once missed a payment. I have had available credit on this card just "disappear." In the six years I have had the card by credit has approved so much that I have credit cards with reputable companies. The last one I got was a Barclaycard with a 1700.00 limit.

    In the six years I have had this card never once has my credit limit been raised. In the last three months I have charged nothing on this card and yet after making a payment I never have available credit. They charge 18.00 a month as an account matinence fee and a finance charge of 8.97. My payment is 35.00 a month. I have no idea where the rest of my money is going.  These people are dishonest thiefs. My best advise is DO NOT do business with them!!

    cathie222's response was:    

      Feb 05, 2014

    cathie222(1, 1)

    Review by cathie222

    1 Contributions 1 People Helped

    Waste of time read the "fine print" Helpful to 1 out of 1 people

    As soo as I got the card they started calling me before my bill was due. I hadn't even activated it. Ok I go to use it and make a payment on the phone, its all good ti they tell you at the end, there's a $10 Western Union fee! So I tell no thanks and pay it online. The next day, the payent clears my bank. One week later I check my available balance and Credit Availale. Zero balance, $300 limit. I go to Target to shop, card won't go through. I call and they say there is a 8-10 hold for on-line paymens. I told them the transaction # and it cleared a week ago. THEY DON'T CARE! I was told to read the fine print in contract regarding on line payments.They suck

    Sep 06, 2013
    Waste of time.

    This card has not reported to the big 3 credit bureaus and I have had it for two months.  I paid $75 for the annual fee and was planning to only keep it open for the first year where there are no other fees, but why bother keeping it?  Nobody else knows if I am using it and making payments on time because it isn't being reported monthly by them.  Should've kept my $75, would've bought a lot of

    jeffschandler's response was:    

      Aug 03, 2013

    jeffschandler(1, 0)

    Review by jeffschandler

    1 Contributions 0 People Helped

    Does this even report to the bureaus? Helpful to 1 out of 1 people

    I applied for this card, got a $300 line of unsecured credit. Yay! Annual fee is annoying, but whatever, I have horrible credit. I charged a pizza to the card, bringing my balance to just under $100, and paid it off as of a few days ago. I don't plan on using this card though. My issue is that I've gotten three new cards all around the same time, and this card is NOT reporting to the bureau, credit karma can't even link it. I don't want to close it or I will be out the annual fee, but do I want to keep using a card that isn't even showing up on my report?

    leeznay's response was:    

      Jul 11, 2013

    leeznay(2, 2)

    Review by leeznay

    2 Contributions 2 People Helped

    Don't apply Scam!!!!! Helpful to 106 out of 109 people

    I applied for this card several months ago from the advice of credit karma to rebuild my credit.  1st they put 2 inquiries on my credit report brought my credit score down 45 points.  I was told online I was approved for an unsecured limit of 300.00 but before the card could be sent out I had to pay a $50.00 fee.  I paid the $50.00 fee they took the money out 2 business days later.  I was told the card would be delivered by the next week.  I received nothing had to research the internet to finally find a number for customer service to be told you card just went out you should receive it in 7 additional business days.  10 days later I called back and was then asked what is your address gave them my home address and was told oh we sent the card to a different address which i had not lived at for 5 years asked why that is not the address i used on the application they could not answer the question.  I was then told to fax a copy of my drivers license to corporate office and wait another 7 business days for them to updated the system and reissue the card.  Asked if the card had been returned to them because i still had a change address on file and i usually get the mail from my old address.  I was told oh we dont know.  7 days later i was told the information i faxed over was unclear couldn't be read so they did not resend the card.  Asked to have my application removed from system as I had enough of the run around.  Guess what they said that will take up to 90 days.  Are you serious after they made the screw up took my money in 2 business days i have to wait for 90 days for you to returm my money!!!!  This company sucks and takes advantage of people trying to rebuild their credit.  I will rebuild my credit score some other way no thank you !!!!

    Mar 08, 2013

    See all 20 Reviews of Continental Finance Cerulean Hybrid Card

    † Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.