The Continental Bank is a personal credit card from Continental Bank. The annual fee is No annual fee. The ongoing APR is 35% variable (Prime + 28%, capped at 36%; agreement last updated September 22, 2026). Rewards: Up to 5x cashback, provided as Zolve Points (ZPoints), not cash; eligible categories, earn rates and redemption options may vary and are subject to change. Cash back: Up to 1%. Typical credit limit: Up to $15,000. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Designed for newcomers to the US. No SSN required — accepts ITIN or passport. No US credit history needed. No security deposit. Up to 3% rewards. Reports to all 3 bureaus. Community of 500K+ members.