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| Intro APR | Regular APR | Credit Needed | Annual Fee |
| No Introductory Rate Available | 9.75% | Bad Credit OK | $25 |
Continental Finance Gold MasterCard® Editorial Review
Customers with poor credit who are trying to build up their credit history may find help in the Continental Finance Mastercard. This unecured credit card reports to credit bureaus, offering a second chance to those who need it the most. However, this help does not come without a price. There is a hefty setup fee, program participation fee and monthly maintenance fee associated with the card. Additionally, this card has an above average APR.
Despite these drawbacks, this card offers incentives for those who manage their account responsibly. The Gold For the Cold Program rewards responsible customers with a free upgrade to the gold card and a free credit increase after the first year. After the second year of succesful account management, cardholders receive a cash credit and a further credit line increase. After the third year, the maintanence free is removed, making this a beneficial card for those who are willing to pay the initial fees for help to rebuild their credit.
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