Fit Mastercard®
Starter card with free Vantage 3.0 score and fast online pre-qualification
Updated: Sep 24, 2021
FIT Mastercard credit card is designed for those users who have a fair or poor credit score, or no credit history at all. Issued by the Bank of Missouri, the card reports credit activity to all three of the major credit bureaus monthly, aiming to help the cardholders to improve their credit score faster. Although the card comes with higher rates and fees and a lower credit limit, it can be a useful tool in helping you reach better financial stability. You will have free access to your Vantage 3.0 score (after you sign up for e-statements) and you can always check your account 24/7 with the mobile app. Take a look below to learn more about how FIT Mastercard can help you improve your credit score. Before applying to Fit Mastercard, make sure you read the terms and conditions on the secure application page.
ANNUAL FEE
See Terms
ONGOING APR
29.99% Variable
INTRO APR
N/A
at Fit's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Minimum Credit Score
Bad Credit OK
Key Features
- $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
- Fast and easy application process; results in seconds
- Use your card at locations everywhere Mastercard is accepted
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
Our Take
Those who have been struggling with getting approved for a credit card know that finding a good card is much more difficult than it may appear. The application requirements are too demanding and often vague, so you cannot know how eligible you are for a card until you actually apply. And if you apply and get denied, this will harm your credit score, and you will have to wait a while before you can try again. This is where the FIT Mastercard credit card comes in quite handy. It has very few requirements for the applicants, and the whole application process is streamlined and simple with initial fast online pre-qualification.
Who Is the FIT Mastercard for?
FIT Mastercard is known as a starter credit card for bad credit, and unlike most competitors that state they fall into the same category, this card stays true to its name. Anyone with any credit can get pre-approved for the FIT credit card. Those who would like to start building their credit history and those who’ve damaged their credit score and want to get back on track can get approved for this credit card as easily as someone with an excellent score.
So, if you want to build up your credit, this card might be a good choice for you.
Pros
- Credit rebuilding card
- 3 major credit bureaus reporting
- Free Vantage 3.0 score
- No security deposit needed
Cons
- High rates and fees
- No rewards and bonuses
- No additional perks
What are FIT Mastercard Credit Card Benefits?
- Credit rebuilding card. It is unfortunate that the FIT Mastercard doesn’t offer many benefits and perks to the cardholders, but it is a simple credit rebuilding credit card after all, and its sole purpose is to help you boost your credit. All of the card benefits revolve around this single perk.
- 3 major credit bureaus reporting. FIT Mastercard reports all credit activity to all three of the major credit bureaus: Equifax, Experian, and TransUnion. If you are looking for ways to increase your credit fast, this card can help you reach this goal. And reach it fast.
- Free Vantage 3.0 score. At any moment, you can check your free Vantage 3.0 score from Experian* (When you sign up for e-statements), and you can access your credit account 24/7 through the FIT Mastercard mobile app.
- No security deposit needed. This card provides unsecured credit and no security deposit is needed.
Are There Any Disadvantages?
Like any credit card, the FIT Mastercard comes with a couple of disadvantages.
- High rates and fees. FIT Mastercard comes with higher fees simply because it accepts applications from much riskier applicants. The high rates and fees can come as a big disadvantage but are generally considered as a small price to pay for the opportunity to have a credit card that reports your activity to all the major bureaus and allows you to improve your credit ratings.
- No rewards and no bonus. The FIT card is a starter card and focused solely on improving cardholders’ credit thus it has no rewards and no bonuses whatsoever. However, it would be nice to receive some anyway.
- No additional perks. Aside from credit reporting and unsecured credit this card has no additional perks or outstanding benefits for cardholders.
Should You Use FIT Mastercard?
This is an excellent credit rebuilding credit card and can help you reach better financial stability. It doesn’t require you to make a security deposit, so this is your best alternative if you don’t have the cash for a secured credit card. However, if you don’t think that you can afford to pay off the high rates and fees regularly, perhaps applying for this credit card isn’t the right choice for you. Being late on your credit card payments and not paying off your debt on time will be detrimental to your credit and will make this card unfavorable for you.
Fit Mastercard Competition
Fit Mastercard FAQ
| Issuer: | Bank of Missouri |
|---|---|
| Network: | Mastercard® |
| Category: | Consumer (Regular) |
| Review: | Full Card Review |
| Best Used For: |
|
| Rewards: | No |
| Regular APR: | 29.99% |
|---|---|
| Regular APR Type: | Variable |
| Annual Fee: | See Terms |
| Balance Transfer: | No |
| APR on Cash Advances: | 29.99% |
| Grace Period: | 25 days |
| Late Payment Fee: | Up to $40 |
| Other Fees: |
|
Fit Mastercard® Alternatives
Fit Mastercard® |
| APPLY NOW |
|
Annual Fee See Terms |
|
Regular APR 29.99% |
|
Intro APR N/A |
|
Min. Credit Level Bad Credit OK |
IMPORTANT
*The information provided for Fit Mastercard® is believed to be accurate at the time of evaluation or recent update on September 24, 2021. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.
Fit Mastercard®
Reviews - (3 User Reviews)
July 16, 2020
David
(46-55) - Cardholder
Income on Application
$68000
Credit Score
Don't know
Credit Limit
$400
Filed for Bankruptcy
No
Everything I hoped for
Don't know what my credit score was when I applied 9 months ago, but I know it was pretty bad, almost nonexistent. So, I applied to build my credit and got instantly approved.
I don't mind not having any special perks like cashback or other rewards, as I'm only focused on having better credit. Fit Mastercard is everything I hoped for, as I’m already seeing the results.
I have to say customer service is exceptional. I contacted them once before applying, just to make sure I understood all the features. The lady (I think her name was Dolores) was very polite and friendly, helped me through the process of applying and explained how the app works. I'm so glad I have this card. Not changing it anytime soon.
Fees & Charges:
2/5
Features & Benefits:
4/5
Customer Support:
4/5
Application Process:
5/5
July 12, 2020
John
(18-25) - Cardholder
Income on Application
$0
Credit Score
Don't know
Credit Limit
$500
Filed for Bankruptcy
No
Build my credit score from scratch
I've recently changed jobs and needed some sort of lifeline until I start receiving my paychecks again. Since I've been working for a couple of years now, I still don't have a stable credit score. My friends told me about the FIT Mastercard and how it can help me build my credit.
The application process went pretty smoothly, and I got approved even though I don't have a credit history. You have to understand that options are very limited for people in my financial state.
What I really liked about this card is that I got instantly approved without needing to pay collateral. It's also a great thing that I can access my account on my smartphone. A great card for sure.
Fees & Charges:
4/5
Features & Benefits:
5/5
Customer Support:
4/5
Application Process:
5/5
May 21, 2020
Joseph
(18-25) - Cardholder
Income on Application
$25435
Credit Score
Don't know
Credit Limit
$400
Filed for Bankruptcy
No
Great starter card with a reliable smartphone app
Hey, I just stopped by to tell you that Fit Mastercard is a good choice if you are looking to build a score from scratch. I only recently got a job and figured out that I need to work on my credit score. With no credit history at all, I had very few options.
But the guys from the FIT Mastercard team made it easy for me to decide. I got approved instantly even tho I have no credit history. The company didn't even require any collateral. I've been using the card for a year now, and I use a free Vantage 3.0 score tool to check on my credit score. It's going up. I'm so happy.
Fees & Charges:
3/5
Features & Benefits:
4/5
Customer Support:
4/5
Application Process:
5/5
Fit Mastercard®
Save to Compare