FIT Credit Card Review: Fix & Build Your Credit

Meet the FIT Credit Card – New Starter Mastercard Offer from Bank of Missouri

Navigating finances with a limited credit history can be challenging. The FIT Credit Card is touted as a solution to build and improve your credit. But is it genuinely beneficial? Our concise, insightful FIT Credit Card Review 2025 aims to answer this for you.

If you have poor credit, you’ll understand the hurdles in approving a credit card. Each full credit check can leave a negative imprint on your score. Continuous denial after application worsens the scenario, making credit building daunting. However, a ray of hope exists in credit cards designed for low credit scores, like the FIT card. With minimal approval requirements, it is accessible to virtually anyone, providing a lifeline to those struggling with their credit history.

FIT Card Offer – an unsecured credit card designed for people with bad credit or limited credit history, allowing users to easily shop, dine, and travel. However, due to the hefty fees and low credit limit, it may not be the best choice for everyone.

Table Of Contents

What is a FIT Credit Card?

The FIT Mastercard credit card is issued by the Bank of Missouri and insured by the Federal Deposit Insurance Corporation (FDIC). It’s commonly known as a card for bad credit or a starter credit card. The fact that it’s designed for those with a lower credit rating means that almost anyone can get preapproved for it. The FIT Mastercard has low requirements for applicants, and there isn’t even a credit score limitation. Whether you have a terrible score or no credit history, you can still easily apply and get approved for this card.

3 Key FIT Credit Card Features

No security deposit

One of the best features of the FIT Mastercard credit card is that it doesn’t require a security deposit. It’s a rare unsecured credit card for poor credit, and it is your best option if you need a card but have no cash for a security deposit.

Instant pre-qualification

As an instant decision card, your credit card issuer will notify you almost immediately about the status of your application. While you would typically have to wait a few weeks to find out whether your application has been denied or approved, with the FIT Mastercard, you’ll receive a notification in a few minutes when you apply online.

Helps improve credit

Once you start using your FIT Mastercard, you can easily get set on improving your score. Your credit usage and activity will be reported to all three of the major credit bureaus: Equifax, TransUnion, and Experian, so as long as you’re using your card responsibly, you’ll quickly notice an improvement in your credit ratings. Of course, just as your positive credit card activity is reported, so is your harmful activity. Running late on payments, not paying your credit card debts, maxing out your credit card, and more will lower your score and increase the cost of your card. So, always be a responsible cardholder and pay off your debts on time.

PRO Tip

If you cannot afford a security deposit, then the FIT Mastercard can be a good choice for you. However, its high fees are very disconcerting. Many secured credit cards that come with more favorable rates and fees, and it would be a good idea to check them out.

Why Do We Like the FIT Credit Card?

Available for bad credit

There are quite a few reasons why we like this card. The first one is that it’s available to those with a bad credit score. Enough people are struggling with bad credit as it is, whether that’s because of their student loans, mortgages, or irresponsible card usage in their youth, but it doesn’t matter. Anyone with a less-than-ideal score will encounter numerous problems when applying for a new line of credit. There are many cards for bad credit out there, but few of them accept applicants with a score below 630. While 630 isn’t an excellent score, it’s far from poor. About a third of the population has a score between 300 and 649, and those at the lower end of the scale can rarely find credit cards whose requirements they meet.

Credit reporting

Fit credit card guarantees free credit reporting to all 3 of the major credit bureaus monthly. This is the key feature for building credit. Just keep in mind that all credit activities are reported. Thus, using Fit credit irresponsibly will damage your credit score.

Free Vantage 3.0 score

Many prime credit cards allow cardholders to access their Vantage 3.0 score for free, but this is a surprisingly rare perk for credit cards for bad credit. Luckily, when you open your FIT Mastercard account and sign up for e-statements, you can access the free Vantage 3.0 score from TransUnion. This is an excellent perk as it allows you to track how your credit score improves with your FIT Mastercard usage.

Credit limit increase

If you are a fit cardholder unsatisfied with the credit limit provided during pre-qualification, you can make a security deposit to increase it.

You are pre-approved instantly.

This Bank of Missouri card delivers on its promises, and as long as you meet the age requirements, you can get pre-approved for this card, regardless of your score. Your card usage will be regularly reported to all 3 of the major credit bureaus, so you can slowly work towards improving your score.

Mobile App

Another rarity among credit cards is a mobile app, which is another benefit of the FIT card. The app allows you to access your account online 24/7 and manage your bills and debts.

Get FIT Credit Card, Now!

What Should You Be Aware of?

High rates and fees

Unsurprisingly, this card’s high rates and fees are the most significant issues. With the FIT card, you’ll have to pay a one-time processing fee when you open your account; then, you’ll be hit with an annual fee. You’ll have monthly maintenance fees after your first year of usage, and if you want to include someone else as an authorized user of your account, you’ll have to pay for that as well. The card can become expensive, especially if you’re not careful about using your credit. While there’s no such thing as free money, this card could be easily improved by reducing some of these rates and fees.

Low credit limits

The credit limit is the next thing we think can be improved with the FIT Mastercard. The initial credit limit that you’ll be offered is $400. Now, compared to the typical limit of $200 on most secured credit cards, this isn’t so bad. Once you’ve paid the high fees, you’re left with less than $400. You should also consider that your credit utilization ratio affects your credit score. You should use less than 30% of your credit limit to improve your score. This means you must limit your monthly spending to less than $120. So, you won’t be able to make any big purchases with this card.

No rewards or bonuses

Lastly, offering signup bonuses and rewards can significantly improve the FIT card. You cannot collect rewards with this card; new cardholders have no bonuses. The card’s sole value is rebuilding your credit.

Usage and Applications

Fit credit card is a simple credit rebuilding card. Its sole purpose is to help you build up your credit, so in that sense, your credit card usage can be pretty limited. With this card, you cannot get cashback rewards, there are no benefits for frequent travelers, and you cannot collect points. With this in mind, you shouldn’t use the FIT as your primary card. The lack of additional perks and the fact that you’ll have a relatively low credit limit means you should reserve this card only for the minimum necessary monthly purchases.

We recommend keeping your FIT credit card utilization ratio as low as possible and not carrying a balance, as your interest rates can quickly accumulate. So, try to minimize your card spending and ensure you can always pay off your debts in full and on time – it will be the best way to rebuild your credit. A word of caution – it usually takes 7 to 10 days for your payments to process, so it’s in your best interest to pay your credit card debts as soon as possible.

PRO Tip

Use your FIT Mastercard responsibly, rebuild your credit, and once you do – apply for a card with more benefits.

What are Associated Fees and Costs?

As mentioned a few times throughout this article, FIT credit cards are renowned for their unfavorable rates and fees. Many of the competitors do offer lower costs for their cards, but once again, if you have a bad credit score, you’ll have difficulties getting pre-approved for other offers. Not to mention that most cards for poor credit are secured credit cards, meaning that you will have to make a security deposit that will equal your credit limit. With this card, you aren’t required to make a security deposit unless your credit score is uncommonly low. Although, if you want to increase your credit limit to $500 or more, you’ll likely have to deposit upwards of $150.

Example of Rates and Fees You Can Expect

Variable Annual Percentage Rate (APR) for purchases
Variable APR for cash advances
One-time processing fee
Annual fee. See No Annual Fee Cards
Monthly maintenance fee (billed after the first 12 months of card usage)
Additional card fee for including another authorized card user
Cash advance fee
Foreign transaction fee
Late payment fee
Returned payment fee

How Easy and Convenient Is It to Use the FIT Card?

Using the FIT card couldn’t be simpler or more convenient. You can use this card for in-store and online purchases wherever Mastercard is accepted, almost everywhere. The Mastercard network is available in over 210 countries around the world. If a merchant accepts credit card payments, they will most likely take your FIT Mastercard. Remember, though, just because you can use your FIT Mastercard in stores across the globe doesn’t mean that this is the best idea. With a high foreign transaction fee of 3%, it’s best to use this card only within the borders of the USA. (See No Foreign Transaction Fee Cards).

What are Qualification Requirements?

This card is so popular among cardholders because it’s easy to qualify. Your credit history doesn’t matter much, although your score will impact your credit limit and whether or not you’ll need to pay a certain amount in security deposit.
You only need to meet their age requirements to qualify for a FIT Mastercard. So, you must be 18 or older to get approved for this card. A word of caution, however – if you live in Alabama, you must be at least 19 years old to apply for this credit card.
You must be a US resident with a valid current address in the US.
Of course, you will need an account if you wish to make deposits to your credit card. You will need a checking account to approve your FIT Mastercard application. Unfortunately, if, for some reason, you do not have a checking account or are not able to open one, your card application will not be accepted.

Fit Credit Card Competition

	Merrick Card	Revvi Card	Fortiva Card	Destiny Card	Surge Card
Issuer	Merrick Bank	MRV Banks	Bank of Missouri	Concora Credit Inc.	Celtic Bank
Annual fee	Yes, See Terms	Yes, See Terms	Yes, See Terms	Yes, See Terms	Yes, See Terms
Surge Credit Card Review	25 days	21 days	25 days	25 days	25 days
Rewards / Bonus	$500-$1,250 credit doubles up to $1,000-$2,500	1% cashback rewards	Up to 3% cash back, free credit score	n/a	$1,000 credit limit doubles up to $2,000
Credit Reporting	Yes, (3 Bureaus)	Yes, (3 Bureaus)	Yes, (3 Bureaus)	Yes, (3 Bureaus)	Yes, (3 Bureaus)
Credit Needed	Fair	Poor	Bad Credit OK	Bad Credit OK	Fair
More info	Merrick Double Your Line Mastercard	Revvi Visa Card	Fortiva Mastercard	Destiny Mastercard	Surge Mastercard
Reviews	Merrick Double Your Line Mastercard Review	Revvi Card Review		Destiny Credit Card Review	Surge Credit card Review
Application	Apply Now	Apply Now	Apply Now	Apply Now	Apply Now

Fit Credit Card Comparison

Revvi Card vs Fit Credit Card

How do I Apply for the Fit Credit Card?

Applying for the FIT Mastercard is a quick process with even faster results. You can quickly and safely apply now for your new card online, and you will almost instantly be notified about the status of your application. Before you start your application process for any credit card, it’s always a good idea to get all the necessary documents and have them on hand. This will ensure that your application goes smoothly and quickly. For the FIT card, you will need to provide a few pieces of personal information. Some of the information is required by federal law as financial institutions are obligated to collect, verify, and record personally identifiable information of all account holders.

Apply Now!

What Information Do I Need to Provide for Pre-approval?

The information that you will need to provide to get pre-approved includes:

Your full name
Your social security number
Date of birth
Valid, current physical address (No P.O. box)
Estimated gross monthly income
Your phone number

Once you’ve filled in all the required information and completed your application process, you should be notified almost immediately about the status of your application. If you don’t receive immediate feedback, this doesn’t automatically mean that your application has been denied. Sometimes, your credit card issuer might need to collect additional information before a decision on your application can be reached. This can take up to 30 days. If your application has been denied, most issuers will tell you why they didn’t approve it. You can always contact the issuer to find out more.

Bottom Line

All credit cards come with their pros and cons, and so does the FIT credit card. Designed for those with a poor credit score, this credit card can help you achieve better financial stability and improve your score, but this comes at a cost. The high rates and fees might act as a deterrent for some, but seeing how it’s one of the rare credit cards that accept those with abysmal credit or no credit history, it can be a handy card.

Every cardholder has a unique financial situation that dictates what makes a good and what makes a bad credit card for them. Before you decide to apply for any credit card, it’s essential to do thorough research. Look into different types of credit cards, learn about the different issuers, and see every option you have. If possible, consult a personal financial advisor who can advise you on your current situation. Applying for a new line of credit should never be taken lightly. Just like your FIT credit card can help you improve your credit, it can damage it even further with irresponsible usage. So, consider all your options carefully and determine whether this card is right for you.

How Do I Contact FIT Credit Card Support?

FIT Account Info: Sign In To Fit Mastercard. Application: click here
Automated Account Information: 1-866-449-4514
Payments: 1-800-518-6142 (7 a.m. – 10 p.m. Mon-Fri, 8 a.m. – 4 p.m. Sat / EST)
Lost/Stolen Card Reporting: 1-800-556-5678
Customer Service: 1-866-449-4514 (Customer Care Specialists are available 7 a.m.–10 p.m. Mon–Fri, 9 a.m.–4 p.m. Sat / EST)
FIT Payments by Phone: 1-800-518-6142 (7 a.m – 10 p.m. Mon-Fri, 8 a.m – 4 p.m. Sat / EST)

FIT Address	Payment of FIT Card Processing Fees	Payments on FIT Account
P.O. Box 3220 Buffalo, NY 14240-3220	P.O. Box 8099 Newark, DE 19714-8099	P.O. Box 31292 Tampa, FL 33631-3292

Offer Recap

Anyone 18 or older and a US resident can apply for the FIT Mastercard. The card is specifically designed for those with a bad credit score or no credit history and can be a valuable tool to help you reach better financial stability. Getting approved for this card is easy – all you need to do is fill in the online application form. You’ll typically receive immediate feedback on whether your application has been denied or approved. Getting approved doesn’t take much – you only have to be of the required age and have a checking account. Your card usage will be regularly reported to all 3 of the major credit bureaus, so as long as you’re a responsible cardholder, you stand to benefit from this card and improve your score.

Frequently Asked Questions

When can I start using my FIT Credit Card?

If your application has been approved, you must pay a one-time processing fee of $89.00 to open your account. Once you’ve paid this fee, you should expect your new card and all the welcome materials to be mailed to your address within 3 business days. Once you’ve received your FIT Mastercard, you can use it immediately. You cannot withdraw cash for the first 95 days from opening your account, but you can make purchases wherever the Mastercard is accepted.

Can I apply for the FIT card with a co-applicant?

Unfortunately, the FIT Credit Card doesn’t allow you the option to apply with a co-applicant. If you want to be able to use your new credit card with another person, you can always add an authorized user. If you add an authorized user, you must be very careful. You will still be solely responsible for your FIT card account, and should the authorized user use the card irresponsibly, this will reflect poorly on your credit score. It’s also important to note that you must pay a one-time additional card fee of $30.00 to add an authorized user.

What score do I need to get pre-approved?

The FIT Mastercard is designed for those with fair credit or bad credit. Applicants do not have any credit limitations when they’re applying for this card, and even those with no credit history can still get approved. Remember that even though you can get approved with a score as low as 300 (and a nonexistent score), this will impact your card terms. Those with a lower score will have a lower credit limit, for example, or your issuer might require a security deposit before they issue the card.