The Blaze Mastercard, issued by First Savings Bank and serviced by Continental Finance, occupies the same subprime credit-building category as cards like Verve — but with one meaningful structural difference: its 29.9% APR is fixed, not variable. Most cards in this category (including Verve) carry a variable rate that moves with the Prime Rate; Blaze's rate stays put regardless of Fed policy changes.
What fixed APR actually means for you
A fixed rate cuts both ways. If the Prime Rate rises, Blaze cardholders are protected — their rate doesn't follow it up. But if the Prime Rate falls, a variable-rate competitor's APR could drop below Blaze's fixed 29.9%, while Blaze stays exactly where it is. The practical value is predictability, not necessarily a lower long-run cost.
Fee structure is simple
Blaze charges a flat $75 annual fee (commonly billed as $6.25/month) regardless of your specific credit-limit tier — a simpler structure than cards that scale the annual fee with the limit. New cardholders typically start around a $350 limit, with room to grow toward roughly $1,500 through consistent on-time payments.
No penalty APR is a genuine plus
Unlike many subprime cards, a missed payment on Blaze doesn't trigger a penalty APR spike — you'll still face a late fee and credit-report impact, but your ongoing interest rate stays at 29.9% rather than jumping higher. That's a real, disclosed protection worth knowing about before you compare cards in this category.
Our methodology
Every figure above — APR, fees, and the credit-limit growth path — is attributed to Continental Finance's published Blaze card disclosures, verified June 2026. ClearValue Lending is not a card issuer; we score and compare publicly available terms. Confirm current terms at blazecreditcard.com before applying. See our full review methodology for how we score cards.