FIT™ Platinum Mastercard® | CompareCards.com

FIT™ Platinum Mastercard®

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FIT™ Platinum Mastercard®

 

Rated 2/5.0 stars by our editorial team

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  • Regular Purchase APR 35.90% Fixed
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See terms
  • Credit Needed Poor / Fair
  • Card Brand Mastercard®
  • Regular Purchase APR 35.90% Fixed
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See terms
  • Credit Needed Poor / Fair
  • Card Brand Mastercard®

Highlights

  • $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)
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Card Fees

Foreign Transaction Fee

3% of each transaction in U.S. dollars

Balance Transfer Fee

N/A

Penalty APR

see terms

Ongoing Information

Rewards Rate

Non-rewards card

Annual Fee

See terms

Expert Reviews

From the CompareCards.com Editorial Team, updated on Jul 03, 2025

Issued by Continental Finance, the FIT™ Platinum Mastercard® is a decent credit card option for those looking to establish or rebuild their credit.

The FIT™ Platinum Mastercard® is an unsecured credit card—meaning, it doesn't require a security deposit that will serve as your credit line. Additionally, the card reports to the three major credit bureaus.

Just know that while the FIT™ Platinum Mastercard® offers an initial line of credit of $400, it also comes with a number of fees that can add up fast. 

Expert Reviews of FIT™ Platinum Mastercard®

  • 2.0

    Regular APR

  • 0.0

    Intro APR

  • 1.0

    Fees

  • 2.0

    Benefits

  • 2.0/5

    Overall Rating

The Bottom Line

Overall, the FIT™ Platinum Mastercard® is an acceptable option if you have bad credit or limited credit, since it offers a $400 initial credit limit without a security deposit and reports to the three major credit bureaus. However, due to the card’s numerous fees and extremely high interest rates, a secured credit card instead may be a less expensive option.

The Good

The FIT™ Platinum Mastercard®, which is open to applicants with good, bad or limited credit, is designed to help cardholders establish credit or improve their credit score and can be used anywhere Mastercard is accepted. The card also report to the three major credit bureaus—TransUnion, Experian and Equifax.

Although the FIT™ Platinum Mastercard® doesn’t come with a rewards program, it does offer benefits, such as $0 fraud liability, online account management and credit protection. Also, when trying to build credit, credit card rewards should be a low priority anyway, as paying your balance in full and on time each month is what is most important.

The Not so Good

The FIT™ Platinum Mastercard® charges a number of costly fees, including a one-time processing fee, which can add up pretty fast,

Additionally, the card has a very high purchase APR of 35.90% Fixed. But that’s to be expected from a credit card designed for individuals with less than perfect credit.

Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.

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Rated 2/5.0 stars by our editorial team

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