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  Cerulean Credit Card
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Cerulean Credit Card

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Highlights
Purchase APR  (Variable APR) 22.65%
Balance Transfer APR N/A
Credit Score Range 300 - 850
Annual Fee $120

Cerulean Credit Card Review

This is a credit card issued by The Bank of Missouri. If you're wondering whether Cerulean Credit Card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.65%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.

Pros & Cons of Cerulean Credit Card

The Good The Bad
  • Free access to your credit score.
  • Considers applicants with fair credit.
  • Cerulean Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $120
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.

Cerulean Credit Card FAQ

Does Cerulean Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Cerulean Credit Card benefits?

It provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Cerulean Credit Card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Cerulean Credit Card has a variable purchase APR of 22.65%. It also has a variable cash advance APR of 22.65% .

Does Cerulean Credit Card have an intro APR offer on balance transfers?

No, it does not come with an intro APR offer for balance transfers.

Does Cerulean Credit Card have an intro APR offer on new purchases?

This card does not offer an intro APR rate on new purchases.

What are the fees for Cerulean Credit Card?

The following fees apply:

Cerulean Credit Card Fees
Fees Amount
Annual Fee $120
Foreign Transaction Fee 3%
Returned Payment Fee $37
Late Payment Fee $37

Does Cerulean Credit Card have a foreign transaction fee?

Cerulean Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Cerulean Credit Card?

The Cerulean Credit Card customer service number is (866) 449-4514.

What is the support contact email for Cerulean Credit Card?

The support contact email for Cerulean Credit Card is info@bankofmissouri.com.

What is the Cerulean Credit Card login page?

You can access the Cerulean Credit Card login page here.

How do people rate the customer service and user experience of Cerulean Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does Cerulean Credit Card report your account activity to credit bureaus?

Yes, Cerulean Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Cerulean Credit Card

  • Visit the Cerulean Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 5:00pm
  • Saturday Closed

About Cerulean Credit Card

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View all credit cards offered by The Bank of Missouri

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Interest Charge $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Minimum Cash Advance Fee ($) $5
Foreign Currency Transaction Fee 3%
Annual Fee $120
Returned Payment Fee $37
Additional Card Fee Amount $30
Late Fee Amount $37
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Cash Advance APR (Variable APR) 22.65%
Purchase APR (Variable APR) 22.65%

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