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Blaze MasterCard®

Picture of Blaze MasterCard
36 Reviews
Consumer Rating:


Apply Here 3.1
Lowest:
0
Average Score:
529
Highest:
710
All
5 Star
25%
4 Star
30%
3 Star
8%
2 Star
5%
1 Star
30%
1 Star 2 Star 3 Star 4 Star 5 Star
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Credit Score: 572 Credit Limit: 350 Age: 35-44
Approved n/a after Bankruptcy
Posted 11/03 2018
Overall Rating:
I got approved for a blaze unsecured mastercard with a score of 572...the only thing I don't like is the high apr, but if you pay in full, there is no interest...also, they offer soft pull cli's after 6 months, once you make a payment they immediately make the credit available, plus they make the min pay high enough so at least a good portion goes to the principle of your balance...the ann fee of 75 was high, but they will work with you to retain your business...for example, as a new customer I got a $25 credit, not a lot, but at least it was something...customer service has always been very good.
 
Credit Score: 678 Credit Limit: 350 Age: 55-64
Income On Application: $30
Posted 09/19 2018
Overall Rating:
Horrible card think I'm going to cancel it payments always on time
above minimum but refuses to give increase as promised after a year
 
Credit Score: 0 Credit Limit: 750 Age: 45-54
Posted 08/01 2018
Overall Rating:
I had an interest charge and a late fee before I even received the card. I cancelled it because I didn't like starting out on a bad note.
 
Credit Score: 582 Credit Limit: 1500 Age: 35-44
Approved 4 months after Bankruptcy
Income On Application: $75000
Posted 06/28 2018
Overall Rating:
I took a chance and applied. I'm one month post-bankruptcy and am trying to rebuild my credit. I was surprised to be approved with a $1500 limit. Prior to filing bankruptcy, I had no late payment (until the month I actually filed) so I don't know if this is something taken into consideration in their algorithm. In any case, I'm grateful.
 
Credit Score: 624 Credit Limit: 300 Age: 65+
Income On Application: $32000
Posted 06/20 2018
Overall Rating:
Was easy to get the card BUT if there is a problem with something you bought with the card, they refuse to make it right. I bought an item that was defective, returned it to the place I bought it, was told I would get a refund, never happened. Filed a complaint with The Blaze customer support, they refused to credit my account unless I produced a receipt showing I returned it. WHAT RECIEPT?? I don't get a receipt when I give it to the mailman!! The company I bought the product from is no longer in business so I have been screwed twice!!
 
Credit Score: 570 Credit Limit: 2500 Age: 55-64
Income On Application: $100
Posted 06/17 2018
Overall Rating:
great company
 
Credit Score: 544 Credit Limit: 300 Age: 55-64
Income On Application: $22200
Posted 06/10 2018
Overall Rating:
My Credit Score: 544
I was Never assigned a Crideit Limit because this card "turned me down" AFTER they sent me a letter saying that I was "PRE-Approved" for the Card. IAM complaining, because these
"Pre-Approved" offers come in the mail, I take the time to fill them out. They all say at the end:

"...Wait 2-4 Weeks for processing your credit form your credit Limit will be determined at that time. "When" APPROVED"... [Never "if"...Remember it's Pre-Approved] You will receive..."
This one was NO DIFFERENT. And Each time my credit seems to tank a bit lower!

 
Credit Score: 0 Credit Limit: 0 Age: 18-24
Posted 06/09 2018
Overall Rating:
I applied for the Blaze card, and was sent a list of information and documents to be sent back, including my bank statement. My credit score is 605, so I will not be sending my personal bank statement back because it has two much of my personal information detailed. I was not told what my credit line would be after they receive my documents. I am just going to go with Freedom Gold right now to build my credit score up.
 
Credit Score: 698 Credit Limit: 750 Age: 55-64
Approved Discharged in March 2018 after Bankruptcy
Posted 06/02 2018
Overall Rating:
I was approved for $750 today. I had a bankruptcy discharged back in March 2018. my credit score is between 698 and 700. Happy with the benefits and customer service.
 
Credit Score: 5 Credit Limit: 0 Age: 35-44
Posted 05/31 2018
Overall Rating:
I applied online today and it states....... Please watch for information from us within the next 14 days. Does this mean I am denied??
 
Credit Score: 545 Credit Limit: 350 Age: 45-54
Posted 05/16 2018
Overall Rating:
I HAVE HAD CREDIT ISSUES IN THE LAST FEW YEARS.. I RECENTLY APPLIED FOR OTHER CARDS AND GOT DENIED (EXCEPT SECURED) I HAVE HAD 3 DIFFERENT SECURED CARDS (TO SHOW ACCOUNTS) PAY ALL BUT ONE IN FULL EVERY MONTH (NEEDED TIRES).. BUT WILL BE PAID IN 3 MONTHS IN FULL.. I LOOKED AROUND AND FOUND THIS APPLICATION ON LINE.. APPLIED AND GOT APPROVED WITH A $350 LIMIT (I WAS SHOCKED).. A HEFTY 75.00 FEE HOWEVER WELL WORTH IT TO BE ABLE TO ELIMINATE MY SECURED CARDS.. STILL WAITING ON THE CARD - HOWEVER CALLED AND THEY SAID THE APPLICATION WAS APPROVED AND CARD HAS BEEN MAILED. SHOULD HAVE IT TODAY :)
 
Credit Score: 620 Credit Limit: 350 Age: 25-34
Approved 5 after Bankruptcy
Income On Application: $50000
Posted 04/27 2018
Overall Rating:
Annual fee charged to card before it arrives. Takes a full month to arrive
 
Credit Score: 595 Credit Limit: 500 Age: 18-24
Income On Application: $65332
Posted 02/15 2018
Overall Rating:
I applied not thinking I would get it. I got a 500 dollar limit. The 75 dollar annual fee is a lot, but they approved me, so it helped out.
 
Credit Score: 0 Credit Limit: 1000 Age: 55-64
Income On Application: $40000
Posted 12/31 2017
Overall Rating:
BLAZE GAVE ME A CARD WITH A $1000 LIMIT WHEN I WAS REBUILDING MY CREDIT AFTER A DIVORCE AND CO SIGNING FOR A CAR FOR A FAMILY MEMBER.MY SCORE DROPPED TO 592 BECAUSE THEY LET THE CAR GO BACK WITHOUT EVEN TELLING ME.NOW IM BACK UP TO 687 CREDIT SCORE.THIS CARD IS WAY BETTER THAN CREDIT ONE AND FIRST PREMIER.NOW I HAVE BETTER CARDS AND HAVE PUT THIS IN THE SOCK DRAWER.ITS A GREAT REBUILDER CARD.
 
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.
 
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.
 
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.
 
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.
 
Credit Score: 620 Credit Limit: 1500 Age: 55-64
Income On Application: $88500
Posted 07/18 2017
Overall Rating:
never had blaze credit card
 
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 .
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 
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.
 
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).
 
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.
 
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.
 
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.
 
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.
 
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).
 
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.