| Last updated on November 15th, 2024
FIT™ Platinum Mastercard®
FIT™ Platinum Mastercard®
FIT™ Platinum Mastercard®
- 35.90% (Fixed) Regular Purchase APR
- See website for details* Cash Advance APR
- See website for details* Intro Purchase APR
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.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- $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)
- Intro Purchase APR: See website for details*
- Regular Purchase APR: 35.90% (Fixed)
- Balance Transfer Transaction Fee: See website for details*
- 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
- Annual Fee: See Terms*
- 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
- 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 monthly reporting to the three major credit bureaus
In-Depth Review: FIT™ Platinum Mastercard®
The FIT Mastercard is a quality credit card for people with fair credit, bad credit, or no credit history.
Who Can Benefit from Fit Mastercard?
The FIT credit card is ideal for people with no credit or damaged credit. Continental Finance (the credit card issuer) understands building credit can be challenging – that’s why they make their FIT Card available to such a comprehensive credit profile.
How to Get the Fit Card
To increase your chances of approval and enjoy the benefits and rewards of the Fit Platinum Mastercard Credit Card, it’s important to familiarize yourself with the eligibility requirements.
Eligibility Requirements
To be eligible 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 history
Pre-Qualify Before Applying
The Fit Platinum Mastercard® Credit Card offers a simple online pre-qualification process. This process allows you to check if you will likely be approved for the card without impacting your credit score. By utilizing the pre-qualification process, you can have peace of mind knowing your eligibility for the card before applying.
Fit Platinum Card Benefits
Subject to available credit, successful applicants receive an initial credit limit of $400.00 – with no security deposit required. Making on-time payments can unlock credit limit increases after just six months.
Reporting to the Major Credit Bureaus
The FIT Mastercard reports monthly to all three major credit bureaus – TransUnion, Experian, and Equifax. Paying your bill on time won’t just get you a shot of a credit line increase; it can also help you build your credit quickly.
Other Card Benefits
Other notable features of the Fit Mastercard include:
- Free access to your Vantage 3.0 score from Experian when you sign up for e-statements
- Use your card at locations everywhere that Mastercard® is accepted
- Mastercard Zero Fraud Liability Protection
Continental Credit Protection
FIT Mastercard cardholders can also access the optional Continental Credit Protection program for an additional surcharge. Cardholders can access this feature by paying $0.99 for every $100 outstanding balance on their FIT account. That fee is automatically billed each month.
This benefit is a debt cancellation program if the cardholder loses their job or becomes disabled. The program covers up to 12 consecutive monthly payments for those who meet the qualifications. This program also pays off any balance in full should the cardholder pass away.
Comparison
| Surge® Platinum Mastercard® | Applied Bank® Unsecured Classic Visa® Card | FIT™ Platinum Mastercard® | |
|---|---|---|---|
| Card type | Unsecured | Unsecured | Unsecured |
| Starting limit | Up to $1,000 | $300 | $400 |
Tips for Maximizing the Benefits of the Fit Platinum Mastercard Credit Card
To make the most out of your Fit Platinum Mastercard Credit Card, here are some tips to consider:
- Pay your balance in full: To avoid accruing interest charges, paying your balance in full each month is advisable. This will help you maximize the benefits of the low introductory APR and avoid unnecessary fees.
- Monitor your account: Regularly review your credit card statements and monitor your account for any unauthorized charges or errors. Promptly reporting any discrepancies to the credit card issuer will help protect your finances and maintain the security of your Fit Platinum Mastercard Credit Card.
FIT Mastercard Ratings
How does the FIT Mastercard stack up? Here are a selection of expert reviews for the card:
BBB Rating
User Rating
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