- $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)
3.7 / 5.0 (19 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
35.90%*
APR Type:
fixed
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Damaged Credit
Starter
Unsecured
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Credit Line:
$400
Max Credit Line:
$800
Late Payment Fee:
See Terms*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
35.90%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Application Fee:
See Terms
Additional Fees
Returned Payment Fee: Up to $41
Late Payment Fee: Up to $41
Monthly Maintenance Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month)
Processing Fee: $95 (one-time fee)
Additional Card Fee: $30 (one-time, if applicable)
Foreign Trans Fee: 3% of each transaction in U.S. dollars
Annual fee: $99 introductory fee for the first year, then $125 thereafter

Comments

You need to be 18 years or older and have a checking account to apply for this card

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:
- Free Credit Reporting
- Vantage 3.0 Score
- Instant decision
- Secured card option
Least attractive:
- No rewards or intro rates
- High fees

Rewards & Benefits

Rewards:
No rewards offered.
Other Benefits:
See website for other benefits
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for FIT™ Platinum Mastercard® is believed to be accurate at the time of evaluation (Nov 11, 2024). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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