- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00 (Subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard is accepted
- Access to your Vantage 3.0 score from Experian (When you sign up for estatements)
- Checking Account Required
3.7 / 5.0 (19 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Damaged Credit
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Credit Line:
Max Credit Line:
Late Payment Fee:
See Terms*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

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


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.


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

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

*The information provided for FIT™ Platinum Mastercard® is believed to be accurate at the time of evaluation (May 2, 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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