Enjoy the buying power of the {{spa_product_name_title}} Mastercard®

  • Initial credit limit ranges from ${{spa_credit_limit_min}} to ${{spa_credit_limit_max}}
  • Potential Credit Limit Increase after just 6 months
  • Enjoy Mastercard Zero Fraud Liability (this is subject to Mastercard Guidelines)
  • Monthly reporting to the three major credit bureaus
  • Free Monthly Credit Score available on Electronic Statements


Continental Finance Company is proud of our customer feedback. With more than 2.6 million credit cards managed since our founding, CFC prides itself on putting the customer first. We specialize in providing credit cards that help our customers build or establish credit with dignity and respect. If you have less than perfect credit, a CFC brand card can help you re-establish your credit history!

Highly rated financial services company

Continental Finance, one of America's leading marketers and servicers of credit cards for consumers with less-than perfect credit, is proudly rated A+ by the Better Business Bureau.

Continental Finance Company, LLC BBB Business Review

{{spa_product_name_caps}} MASTERCARD® CARD FEATURES

Initial Credit Limit ranges from ${{spa_credit_limit_min}} to ${{spa_credit_limit_max}}

A {{spa_product_name_title}} Mastercard® with an initial credit limit that ranges from ${{spa_credit_limit_min}} to ${{spa_credit_limit_max}}. Use your {{spa_product_name_title}} card at locations everywhere Mastercard is accepted. Shopping, dining, even travel are all in your future with your new {{spa_product_name_title}} credit card. Your {{spa_product_name_title}} credit card account can help you rebuild or improve your credit score when you make your payments on-time and you keep your balance under your credit limit.

Potential Credit Limit Increase After Just 6 Months

You may be eligible for your first credit limit increase after just 6 months. If you are trying to build up your credit, getting a credit limit increase is a milestone achievement. Continental recognizes this and will review your account, giving you the opportunity to obtain a Credit Limit Increase upon your request, subject to income and underwriting criteria at the time of review. You could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score.

Enjoy Mastercard Zero Fraud Liability

With Mastercard Fraud Liability you will not be held responsible for unauthorized charges on your {{spa_product_name_title}} credit card. With Mastercard Zero Fraud Liability you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected. Whether you're shopping in a store, travelling abroad, or making online purchases you can rely on Continental Finance to protect your {{spa_product_name_title}} credit card account. Mastercard Zero Fraud Liability is subject to Mastercard Guidelines.

Monthly Reporting to All Three Major Credit Bureaus

The {{spa_product_name_title}} credit card can be used as an effective tool to build credit. Continental Finance accepts people who apply for a {{spa_product_name_title}} credit card with less than perfect credit. Continental Finance will report your payments to the three major credit bureaus - TransUnion, Experian, Equifax.

Free Monthly Credit Score

When you activate a {{spa_product_name_title}} Mastercard, you have to create an account. One of the top features of that account is you get a free monthly credit score when you enroll in e-statements. Every month you can check your score. If you are building credit for the first time, or repairing credit, you can see the impact actions like making your monthly payments on time have on your credit score each month.


Online Account Management

Login to our Online Account Management system to view statements, make payments, check due dates and more.

Mobile App

Use our mobile app so that you can manage your account anytime from any mobile device.


Use our knowledge base of articles for guidance on various credit topics such as credit utilization and how to build credit.

Credit Protection

Learn more about the Credit Protection program available to all {{spa_product_name_title}} Credit Card holders.

Cardholder Agreement

Locate and then Review the details of your {{spa_product_name_title}} Mastercard cardholder agreement.


Detailed information on the {{spa_product_name_title}} Credit Card privacy policy.


Who is {{spa_bank_name}}?


Who is Continental Finance?

Founded in 2005, Continental Finance Company ("CFC") is one of America's leading marketers and servicers of credit cards for consumers with less-than-perfect credit. The company specializes in providing credit products and services to consumers who are largely overlooked by traditional credit card issuers and local banks. As a consumer finance company, with a state of the art consumer lending platform, we are able to provide a variety of services to our customers when other financial institutions will not accommodate them. Since the Company's founding, CFC has prided itself on its corporate responsibility to its customers in terms of a strong customer support program and fair treatment.

How do I apply for a {{spa_product_name_title}} Mastercard®?

Applying for a {{spa_product_name_title}} Mastercard® has never been easier. You may apply for a {{spa_product_name_title}} credit card online from this website, call 1-866-513-4598 or return the acceptance certificate from the pre-selected offer that you received in the mail. To apply for a credit card online, over the phone, or through the mail some basic information will be required. To get a {{spa_product_name_title}} credit card we're going to ask you for your full name as it would appear on government documents, social security number, date of birth and physical address. A P.O. box will not work. This is common for anyone when you apply for major credit card. We need this personal information for two reasons. First, Federal Law requires us to obtain, verify and record information that identifies each person who opens a {{spa_product_name_title}} card account with us. As a result, your personal information is required and is used for those identification purposes. Secondly, we use your personal information, like your Social Security number, to pull your credit bureau data. This data is used in conjunction with other information like your monthly income to process your application.

How long does it take to make a decision about my application?

In most cases, we will provide an instant decision. However, in some cases we need to collect additional information to make a decision on your {{spa_product_name_title}} credit card application which could take up to 30 days.

When will I receive my new credit card?

After you apply for credit and are approved it is a very fast process to get your brand new credit card. If you're approved, your new {{spa_product_name_title}} credit card and welcome materials containing important {{spa_product_name_title}} card info will be mailed within (3) business days.

How do I activate my new {{spa_product_name_title}} Mastercard®?

You can activate new and reissued cards online or over the phone. To activate online, go to the website on the back of your card and select the “Activate Now” button. To activate over the phone, call from the phone number that you provided on your application to the toll-free activation number printed on the sticker affixed to your new card within 30 days of receiving your card in the mail.

Can I manage my new {{spa_product_name_title}} card account online?

Yes. You will be able to enroll in our Online Banking Service to do all of the following actions with your {{spa_product_name_title}} card and more:
  • Make a {{spa_product_name_title}} credit card payment
  • Enroll to receive online statements for your {{spa_product_name_title}} card
  • View recent transactions
  • View previous statements
  • View payment history
  • View your balance and other important {{spa_product_name_title}} credit info

To do so you simply need to sign up and get your {{spa_product_name_title}} login information. Then you can access your {{spa_product_name_title}} credit info anytime 24 hours per day, 7 days per week.