Blaze Mastercard® Credit Card

Our review of the Blaze Mastercard® Credit Card

The Blaze Mastercard is a reliable option for those looking to establish a good credit history. Offering a fixed-rate APR of 30%, this unsecured credit card from First Savings Bank in South Dakota provides a stable path to better credit through responsible use.

Fixed-Rate APR

For individuals with bad credit scores, the Blaze Mastercard offers a consistent APR without the worry of fluctuations due to economic changes. While the 30% APR may seem high, it is essential to understand that cards like the Blaze are intended for building credit, not carrying balances. By making on-time payments and paying off your balance in full, the APR becomes less of a concern.

Credit Limits

Credit limits on the Blaze Card vary based on the applicant’s creditworthiness, starting at $350 and potentially increasing to $1,500 with responsible financial behavior over time.

Blaze Mastercard Fees

Despite the $75 annual fee, the Blaze Mastercard stands out for its transparency with no hidden charges. Additional fees, such as late payment or returned payment fees, are standard across most credit cards.

PREMIUM Club Membership

Cardholders also gain access to the PREMIUM Club, offering discounts on various services for a membership fee of $4.95. Opting out of this membership is possible by contacting The PREMIUM Club directly.

Should You Apply for the Blaze Mastercard?

While the Blaze Mastercard may not be the most flashy option on the market, it serves its purpose well for individuals looking to rebuild their credit. With a fixed-rate APR, minimal fees, and a reasonable annual charge, the Blaze Card provides a solid foundation for financial growth and recovery. Consider this card as a starting point on your journey towards a healthier credit profile.