The FIT Mastercard Credit Card is perfect for those with limited or poor credit, offering an initial limit of $400 to help you rebuild.
It includes zero liability protection and monthly credit reports to boost your credit score over time.
For those ready to improve their credit, the FIT Mastercard could be a valuable tool in your financial journey.
All You Need to Know About the FIT Mastercard Credit Card
The FIT Mastercard® Credit Card is designed for individuals aiming to build or rebuild their credit history. Issued by The Bank of Missouri and serviced by Continental Finance, this card offers an initial credit limit of up to $400.
A key feature is Mastercard Zero Liability Protection, keeping you safe from unauthorized charges. It also reports monthly to TransUnion, Experian, and Equifax to help build your credit.
To discover how to apply for the FIT Mastercard and take advantage of its features, continue reading for detailed application instructions and insights.
Main details of the card
Build or Rebuild Your Credit
The FIT Mastercard Credit Card reports monthly to all three major credit bureaus, helping you establish or improve your credit score with responsible use.
Mastercard Zero Liability Protection
With Zero Liability Protection, you won’t be held responsible for unauthorized transactions, giving you peace of mind when shopping online or in stores.
Accepted Anywhere Mastercard is Accepted
Use your FIT Mastercard Credit Card worldwide — for shopping, dining, and travel — anywhere that accepts Mastercard.
Free Monthly Credit Score Monitoring
Get access to your credit score every month when enrolled in e-statements, allowing you to track your credit-building progress easily.
Manage Your Account Online or Through the App
Stay in control of your spending and payments by managing your FIT Mastercard account 24/7 via their website or mobile app.
Quick and Easy Application Process
The fit mastercard application is simple and fast, with most applicants receiving an instant decision online or by phone.
How the FIT Mastercard Credit Card Works?
The FIT Mastercard is an unsecured credit card with no security deposit required. It offers an initial credit limit of up to $400 for everyday purchases anywhere Mastercard is accepted.
To support credit-building efforts, the card reports monthly to all three major credit bureaus. This consistent reporting can positively impact your credit score when payments are made on time and balances are kept low.
Additionally, the FIT Mastercard offers free monthly credit score access when you enroll in e-statements, enabling you to monitor your credit progress regularly.
FIT Mastercard Credit Card Features Comparison
To help you understand the key aspects of the FIT Mastercard Credit Card, here’s a comparison of its most important features. The table below provides a quick overview of what this card has to offer:
| Feature | Details |
| Initial Credit Limit | Up to $400 |
| Zero Liability Protection | Cardholders are not responsible for unauthorized charges |
| Credit Reporting | Monthly reporting to TransUnion, Experian, and Equifax |
| Monthly Credit Score Access | Free monthly credit score available with e-statements |
| APR | 35.9% APR on purchases |
| Fees | One-time processing fee, Annual fee, Monthly maintenance fee (after 1st year) |
Disclaimer: The features listed below are based on the current terms of the FIT Mastercard® Credit Card and may be subject to change.
How to Apply for the FIT Mastercard Credit Card?
Follow these easy and straightforward steps to apply for the FIT Mastercard Credit Card directly through the official website and take the first step toward improving or building your credit:
- Visit the Official Website: Go to the official FIT Mastercard website.
- Fill Out the Application Form: Complete the online form with your personal details, including name, address, and Social Security number.
- Submit Your Information: After entering your information, submit the form for review.
- Receive an Instant Decision: Most applications receive an instant approval decision. If additional information is needed, the process may take up to 30 days.
- Wait for Your Card: If approved, your new FIT Mastercard will be mailed to you within 3 business days.
Who Should Apply for the FIT Mastercard Credit Card?
The FIT Mastercard Credit Card is designed for individuals who are looking to build or rebuild their credit. Here’s who might benefit from applying:
- Limited or Poor Credit History: This card is ideal for those with limited or damaged credit who want to improve their financial standing.
- No Security Deposit Required: The card offers an initial credit limit of up to $400 without requiring a security deposit.
- Monthly Credit Reporting: The card reports monthly to the major credit bureaus, helping to build a positive credit history when payments are made on time.
If you fall into one of these categories, the FIT Mastercard may be a good choice to start rebuilding your credit score and improve your financial future.
Is the FIT Mastercard Worth It?
The FIT Mastercard can be a solid option for those looking to rebuild their credit. It reports to all three major credit bureaus, which is essential for improving your credit score over time.
However, the card comes with a high APR of 35.9%, meaning carrying a balance can become expensive if not paid off quickly. Additionally, it charges both annual and monthly maintenance fees.
While it provides an opportunity to build credit, there are other credit cards available with lower fees and better terms. It’s important to carefully compare options before deciding if it’s the right fit for you.
Answers to the Most Common Questions About FIT Mastercard Credit Card
The FIT Mastercard Credit Card is an unsecured credit card designed for individuals aiming to build or rebuild their credit. Issued by The Bank of Missouri and serviced by Continental Finance, it offers an initial credit limit of up to $400.
The card has a one-time processing fee of $95, an annual fee of $99 in the first year (increasing to $125 thereafter), and a monthly maintenance fee of $12.50 starting from the second year.
The initial credit limit is $400. After 13 months, you may be considered for a credit limit increase based on your payment history and account standing.
To activate, visit the activation website provided with your card or call the toll-free number on the sticker attached to your card. Activation must be completed within 30 days of receiving the card.