FIT™ Platinum Mastercard®
- Annual fee
- See Terms*
- Recommended credit
- Fair / Poor
- Card network
- Mastercard
- Intro purchase APR
- See website for details*
At a glance
The FIT™ Platinum Mastercard® is an unsecured credit card that offers the chance of a credit line increase in just six months. The card starts with a $400 unsecured credit line – but offers the chance at a double your credit limit increase in as few as six months.
Our review of the FIT™ Platinum Mastercard®
The FIT Mastercard is a top-quality credit card option for individuals with fair credit, bad credit, or no credit history.
Who Can Benefit from Fit Mastercard?
The FIT credit card is perfect for those with damaged credit or no credit history. Continental Finance, the card issuer, recognizes the challenges of building credit and offers the FIT Card to a wide range of credit profiles.
How to Get the Fit Card
To increase your chances of approval and take advantage of the benefits of the Fit Platinum Mastercard Credit Card, it’s essential to understand the eligibility requirements.
Eligibility Requirements
To qualify for the FIT™ Platinum Mastercard®, you must:
- Be at least 18 years old
- Be a legal resident of the United States
- Have a steady source of income
- Have a good credit histor
Pre-Qualify Before Applying
The Fit Platinum Mastercard® Credit Card offers an easy online pre-qualification process. This allows you to check your likelihood of approval without affecting your credit score. By using this process, you can determine your eligibility before applying for the card.
Fit Platinum Card Benefits
Successful applicants can receive an initial credit limit of $400.00 without needing a security deposit. Making timely payments can unlock credit limit increases after just six months.
Double Your Credit Line
By using the Fit Platinum Mastercard responsibly, you can double your credit limit in as little as six months. Making the first six monthly payments on time can result in a credit limit increase of 2X the starting limit.
Reporting to Major Credit Bureaus
The FIT Mastercard reports monthly to all three major credit bureaus – TransUnion, Experian, and Equifax. Paying your bill on time can help you build your credit quickly.
Other Card Benefits
Additional features of the Fit Mastercard include:
- Free access to your Vantage 3.0 score from Experian
- Use at locations where Mastercard® is accepted
- Mastercard Zero Fraud Liability Protection
Comparison
| Card | Surge® Platinum Mastercard® | Applied Bank® Unsecured Classic Visa® | FIT™ Platinum Mastercard® |
|---|---|---|---|
| Card type | Unsecured | Unsecured | Unsecured |
| Starting limit | Up to $1,000 | $300 | $400 |
Tips for Maximizing Benefits
To get the most out of your Fit Platinum Mastercard Credit Card:
- Pay your balance in full each month
- Monitor your account for unauthorized charges
What We Like About the Card
One standout feature of the Fit Mastercard is its flexible credit limit. As long as you make the first six monthly payments on time, you can potentially double your credit line to $800 within the first year.
Things to Consider
While the FIT Mastercard does not require good credit for approval, it does come with higher interest rates than some other credit cards. Additionally, there are fees associated with the card, including an annual fee and monthly maintenance fee.
Here are expert reviews on how the FIT Mastercard stacks up against other options.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Who this card may suit
- You have no credit (or bad credit) and want to build up a positive credit history
- You don’t have the funds for a security deposit on a secured card
- You want to double your credit line with six minimum payments on-time
- You want monthly reporting to the three major credit bureaus
Rates, fees and terms
| Annual Fee | See Terms* |
|---|---|
| Intro Purchase APR | See website for details* |
| Regular Purchase APR | 35.90% (Fixed) |
| Balance Transfer Transaction Fee | Intro Purchase APR: |
| Cash Advance APR | See website for details* |
| Cash Advance Transaction Fee | Either $10 or 3% of the amount of the cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction in U.S. dollars |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit.
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FIT™ Platinum Mastercard®
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