Blaze MasterCard®

Picture of Item Reviewed
22 Reviews
Consumer Rating:
3.6
Lowest:
1
Average Score:
592
Highest:
710
All
5 Star
22%
4 Star
45%
3 Star
13%
2 Star
9%
1 Star
9%
Carolina 
Credit Score: 526 Credit Limit: 350 Age: 45-54
Income On Application: $35
Posted 11/04 2017
Overall Rating:
I applied online for the Blaze card, never expecting to be approved. I was approved instantly with a score of 526 and given a limit of $350 with a $75 annual fee and 29% interest. I was approved on October 23rd (a Friday, I believe) and recieved the card on the 26th. The fee had already been charged and my statement came online on the 28th. I paid in full immediately, well before the due date. I also made two customer service calls - you have to go through quite a few prompts to get to an agent - but when you do it's a friendly and helpful English-speaking person. Only had the card a week or so but so far I've had a good experience with Blaze. I'm thankful they took a chance on me and I will be charging only about fifty dollars a month and paying in full as soon as I get my statement and will give it about 6 months of on-time/in full payments before I ask for an increase.
Poppy 
Credit Score: 693 Credit Limit: 2500 Age: 45-54
Approved discharged 5 months before applying after Bankruptcy
Posted 10/30 2017
Overall Rating:
Snail mail pre-approval. applied. approved. $75 annual fee, but late fees are only up to $25 (better than most other cards). 29% interest, but well worth it to rebuild credit. My pay history was as good as possible prior to the bankruptcy (not many late payments b/c sudden loss of income) ... not sure if they looked at that. Overall, very satisfied with the opportunity to rebuild. Benefits and customer service rating is not accurate. I haven't had the card long enough to rate so gave generic 3 stars.
Michael 
Credit Score: 615 Credit Limit: 750 Age: 35-44
Approved 6 months after Bankruptcy
Income On Application: $42000
Posted 09/21 2017
Overall Rating:
Credit score of upper 500s to low 600s and was approved for $750 (minimum of $350). Annual fee of $50 with APR of 22.9%. Was sent pre-approval letter in mail. Easy online payment/account access, but can only make 2 ACH/online payments per statement cycle. You can make additional debit card payments with customer service rep for $3.95 each.

Plan to use and pay off each month to improve score, so interest won't be an issue. I figure after about 6 months, I should start seeing increases as I zero out each month.
peter 
Credit Score: 654 Credit Limit: 350 Age: 45-54
Approved 2009 after Bankruptcy
Income On Application: $32000
Posted 08/29 2017
Overall Rating:
I paid alot of fees to get this card to rebuild my credit score. They said in the letter that you would get credit line in crease after 4 on maybe 6 on time payments. When i called to inquire they said oh , it goes by your score. That not what the letter said. Capital One told me normally it half of your credit increase wen met time requirements . Which is done once a year. Only if you like a larger increase do they pull credit. So why are they charging all these fees ? I am going to register 3 complaints , cause to me that is most like maybe advertising fraud possible. I let the proper organizations investigate it.
 
Credit Score: 1 Credit Limit: 1 Age: 18-24
Posted 07/21 2017
Overall Rating:
THIS IS A TOTAL FRAUD.. THEY SEND YOU LETTER AT HOME STATING THAT YOU ARE PRE-APPROVED, BUT WHEN YOU APPLY ONLINE.. IT GET DECLINED. WHEN SPOKE WITH CUSTOMER SERVICE REP.. HE STATED THAT WELL " PRE-APPROVED" DOESNT MEAN ... THAT YOU ARE APPROVED FOR A CREDIT CARD... ITS MEAN YOU CAN APPLY. NEVER DEALT WITH ANY COMPUTER WHO LIES TO GET YOU APPLY AND PULL YOU CREDIT. IF I WOULD HAVE KNOWN THIS BEFORE..I WOULD HAVE NEVER LET THEM PULL MY CREDIT. THIS IS TOTALLY FRAUD AND THEY NEED TO STOP DOING THIS RIGHT AWAY. I HAVE SEEN LETTER STATING PRE-SELECTED... BUT NEVER SEEN ANYTHING LIKE THIS.. PRE-APPROVED..BUT SORRY YOU APPLICATION IS DECLINED. BULL SHIT.. THIS IS WHAT YOU CANN STILL YOUR PERSONAL INFORMATION.
john j wise 
Credit Score: 620 Credit Limit: 1500 Age: 55-64
Income On Application: $88500
Posted 07/18 2017
Overall Rating:
never had blaze credit card
Mazelia De Witt 
Credit Score: 660 Credit Limit: 500 Age: 45-54
Approved Maybe around the year 2003 . after Bankruptcy
Income On Application: $9336
Posted 05/01 2017
Overall Rating:
My credit score last I check was around 660 . The limits on one of my cards is 1000.00 . I believe customer service is excellent .
MiniGolf 
Credit Score: 660 Credit Limit: 1500 Age: 35-44
Posted 04/18 2017
Overall Rating:
After a nasty divorce, I saw my score go from high 700s to 650ish. I got the pre-approved mail and was approved for the card when I applied. It was not an instant approval and I had to give proof of my identity and verify my address. But I was approved for $1500.

They do report to all 3 credit bureaus. Also, the credit limit is higher than other cards I have gotten like credit one.
Ken 
Credit Score: 585 Credit Limit: 1000 Age: 35-44
Approved 5 months after Bankruptcy
Income On Application: $60000
Posted 02/15 2017
Overall Rating:
5 months after discharge from my Chapter 7 bankruptcy, I got a pre-approved mail from Blaze. I applied and got approved for $1000 limit. Annual fee was $50 and the interest rate was like 21% or 22%. I pay in full every month so that does not bother me.

From my research, it looks like I got a decent deal compared to other cards being offered to me.
Johnson 
Credit Score: 625 Credit Limit: 1500 Age: 25-34
Posted 11/06 2016
Overall Rating:
I had a couple of charge offs about 3 years ago and most companies denied me whenever I applied. I got 2 mails, one from blaze and the other from first savings bank. Both came with a $75 annual fee. I bit the bullet and applied for both and was approved for $1500 each. So I end up paying $150 in total annual fees for $3000 in credit lines. So far, I have no complaints.
Aaron 
Credit Score: 615 Credit Limit: 1000 Age: 25-34
Posted 10/24 2016
Overall Rating:
I have this card for over a year and never had any problems with it. One piece of advice though, it is best to pay your bills via your bank account. I find that if you write a check, they do not apply it in a timely fashion and there is sometimes a hold on your payment for a few days. With bank transfer, it clears within a day.
 
Credit Score: 710 Credit Limit: 0 Age: 25-34
Posted 07/03 2016
Overall Rating:
My score is over 700 and I got a mail for this card! Can you believe it? Obviously did not apply for it.
Katy 
Credit Score: 565 Credit Limit: 350 Age: 35-44
Income On Application: $65000
Posted 04/19 2016
Overall Rating:
I started off with an initial credit limit of $350 and also an annual fee of $75. After 6 months, I actually received a mail from blaze that I was pre-approved for a credit line increase. I had to log into my account and went to a tab where I had to update my income and how much I was paying on my mortgage or rent. My income then was $65,000 and I was paying $600 a month on the home. I was approved for a $250 increase. There was a soft pull though in Transunion.
Disput unresolved 
Credit Score: 674 Credit Limit: 750 Age: 25-34
Posted 01/21 2016
Overall Rating:
I had a $19.99 unauthorized charge and I could not even dispute it. Was lucky it was only this small amount. I just sucked it up and will be cancelling my card.
mountainview 
Credit Score: 623 Credit Limit: 350 Age: 25-34
Posted 11/18 2015
Overall Rating:
This was one of the cards where I had gotten a pre-approved mail during my rebuilding period. I applied but was not approved immediately. I had to mail copies of my mortgage, utility bills, driver license etc. When I got the card, I was only approved for a measly $350 and slapped with a $75 annual fee.
Hanson 
Credit Score: 580 Credit Limit: 300 Age: 35-44
Posted 05/06 2015
Overall Rating:
I have this card. Mine came with a $75 annual fee and a $300 limit. I got the card 2 weeks later in the mail and paid off the $75 annual fee immediately (BTW - that charge appears when you get your card). I spend about $20 on the card and pay it off in full every month. They do have a grace period unlike some other sub-prime cards. As far as the card goes, it is better than many others (like First Premier).
randy 
Credit Score: 574 Credit Limit: 300 Age: 35-44
Approved 1.5 years after Bankruptcy
Income On Application: $50000
Posted 01/09 2015
Overall Rating:
I filed for BK7 due to medical bills. Am giving this a 5-star because they approved my application. I was actually quite surprised to see a pre-approved mail in my mailbox. I got a $300 and I am slowly trying to rebuild my credit.
KT6 
Credit Score: 569 Credit Limit: 350 Age: 35-44
Posted 10/22 2014
Overall Rating:
I overextended myself during the housing bubble and paid the price after the collapse. My credit score went down and I got rejected by many cards. When I got a pre-approved mail from blaze, I was a little skeptical. But I pulled the trigger nevertheless and was approved. The card arrived in about 2 weeks and they already charge the $75 annual fee.

After doing my research, I was actually glad I was approved for this card. I realized that there are many other cards targeted at folks like me that charge stupid high fees. Makes this card look good.
Tan 
Credit Score: 615 Credit Limit: 1500 Age: 18-24
Posted 07/27 2014
Overall Rating:
I got pre-approved mails for both the First Savings and Blaze. I applied and got approved for both ($1,500 limit on both as well). I do not carry any balance so the interest rate does not bother me at all.

After 6 months, my scores have gone up by 60 points.
Judy 
Credit Score: 564 Credit Limit: 350 Age: 25-34
Approved 18 months after Bankruptcy
Posted 03/02 2014
Overall Rating:
I was discharged from BK7 about 18 months ago and I got rid of $30k of credit card from issuers like Citi and Capital One (looks like I will be on their bad books for quite a while). A couple of weeks after the discharged, I applied and got approved for the Opensky secured card. After a year, I applied for Credit One and got approved. The annual fee I got was $75 and I got a $500 limit. After six months, I got a $200 limit increase. Then I got the pre-approved mail and decided to apply for the blaze. I got approved for $350 with a $75 fee.

I will be on gardening for a while and use these three cards to rebuild my credit.
PurpleSky 
Credit Score: 645 Credit Limit: 1500 Age: 25-34
Posted 09/14 2013
Overall Rating:
I got the $19 version with a 22.15% APR. The limit I got was $1,500. This is actually not a bad limit considering that my Credit One only started me with $300 (though I did get a couple of increases).
George 
Credit Score: 650 Credit Limit: 1500 Age: 25-34
Posted 06/22 2013
Overall Rating:
Got the offer through the mail. I applied and was approved and the card just arrived today. I was given a $1500 limit with a $50 annual fee. I already have a Credit One and Capital One card. 700 is my 6 month target.