First Savings Bank (serviced by Continental Finance)
Blaze® Mastercard® Review 2026
A fixed 29.9% APR (not variable) subprime credit-building card, with no penalty APR for a missed payment.
Who Blaze® Mastercard® is best for
Applicants rebuilding credit who want rate predictability (fixed APR) over the variable rates most subprime cards carry.
At a glance
- Purchase APR
- 29.9% fixed
- Annual fee
- $75/yr
- Starting limit
- ~$350
- Cash advance fee
- 2% per transaction
Not variable — verified Jun 2026
Commonly billed $6.25/month
Typical; exact offer varies by applicant
Per issuer terms
Pros
- +Fixed 29.9% APR — doesn't move with the Prime Rate, unlike most subprime cards
- +No penalty APR for a missed payment
- +Reports to all three major credit bureaus
- +Credit limit can grow toward ~$1,500 with a track record of on-time payments
Cons
- −29.9% fixed rate is still high in absolute terms
- −$75 flat annual fee regardless of credit-limit tier
- −Low starting limit (~$350) typical for new cardholders
- −No rewards program of any kind
Blaze® Mastercard® requirements
- Subprime/limited credit history typical
- US residents 18+
- Hard credit pull required
Blaze® Mastercard® alternatives
Top alternatives worth comparing from Blaze Credit Card: Complete 2026 Guide.
The Bank of Missouri (serviced by Continental Finance)
Verve® Mastercard®
Want a higher potential starting limit and don't mind a variable APR tied to a tiered fee structure
Not sure which card fits?
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See all picks in Blaze Credit Card: Complete 2026 Guide
Editorial methodology + complete ranking criteria + side-by-side comparison of all picks.
Read the full guide →Bottom line
Blaze® Mastercard® scores 3.8 / 5 on the ClearValue Rating — a deterministic editorial composite from the product's own published fees, terms, and eligibility. Best for: Applicants rebuilding credit who want rate predictability (fixed APR) over the variable rates most subprime cards carry.
◆ How we scored it
The ClearValue Rating, broken down.
- Cost
- 35%
- Fit & approval odds
- 30%
- Speed & terms
- 20%
- Transparency
- 15%
Cost (35%), Fit & approval odds (30%), Speed & terms (20%), Transparency (15%) — scored consistently across every product, independent of compensation. Full methodology →
Frequently asked
Questions about Blaze® Mastercard®
Is a fixed APR actually better than a variable one?+
It depends on rate direction — a fixed APR protects you if the Prime Rate rises (your rate stays put), but offers no benefit if the Prime Rate falls (a variable-APR card's rate could drop while Blaze's stays fixed at 29.9%). The main advantage is predictability: you know your exact rate won't change based on Fed policy.
What fees does the Blaze card charge beyond the annual fee?+
A returned-payment fee of up to $25 and a cash-advance fee of 2% per transaction apply, per Continental Finance's published terms. There's no penalty APR, which sets it apart from several other cards in the same subprime category.
Is ClearValue Lending a bank or card issuer?+
No. ClearValue Lending is not a bank, card issuer, lender, or financial advisor. This review presents publicly available editorial information about the Blaze Mastercard. The card is issued by First Savings Bank and serviced by Continental Finance Company. Rates, fees, and terms are determined solely by the issuer and may change — verify current terms directly with the issuer before applying.
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Independent editorial review. ClearValue Lending is a business & personal financing platform — not a lender, broker, or financial advisor. Some links are affiliate links; the issuer may pay a referral commission at no cost to you, which never changes the score. Specific product terms vary; verify with the issuer before applying. See privacy policy.