FIT™ Platinum Mastercard®
Starter card with free Vantage 3.0 score and fast online pre-qualification
Updated: Jul 06, 2025
FIT Platinum Mastercard 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
35.90% Fixed
INTRO APR
N/A
at Fit's Secured website
Apply NowIntroductory APR
N/A
Intro APR Period
N/A
Recommended Credit Score
Bad Credit OK
Key Features
- $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
- 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)
- 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 Platinum Mastercard for?
FIT Mastercard is known as a starter 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 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.
What are FIT Mastercard Benefits?
Credit rebuilding card
It is unfortunate that the FIT Platinum Mastercard doesn’t offer many benefits and perks to 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 is 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 a small price to pay for the opportunity to have a card that reports your activity to all the major bureaus and allows you to improve your credit ratings.
No rewards and no bonuses
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. See full Fit Credit Card Review.
Fit Mastercard Alternatives
- Revvi Card (Also See: Revvi Credit Card vs Fit Card)
- Aspiration Zero Mastercard
- Current Visa Debit Card
- Chime Debit Card
- Merrick Bank Double Your Line
- TOTAL Visa (Pets)
Frequently Asked Questions
| Issuer: | Bank of Missouri |
|---|---|
| Network: | Mastercard® |
| Category: | Consumer (Regular) |
| Review: | Full Card Review |
| Best Used For: |
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| Rewards: | No |
| Regular APR: | 35.90% |
|---|---|
| Regular APR Type: | Fixed |
| Annual Fee: | See Terms |
| Balance Transfer: | No |
| APR on Cash Advances: | 35.90% |
| Grace Period: | 25 days |
| Late Payment Fee: | See Terms |
| Other Fees: |
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FIT™ Platinum Mastercard® Alternatives
FIT™ Platinum Mastercard® |
| APPLY NOW |
|
Annual Fee See Terms |
|
Regular APR 35.90% |
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Intro APR N/A |
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Rec. Credit Score Bad Credit OK |
IMPORTANT
*The information provided for FIT™ Platinum Mastercard® is believed to be accurate at the time of evaluation or recent update on July 06, 2025. 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™ Platinum 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™ Platinum Mastercard®
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