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 29.99%
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®
  • Regular Purchase APR 29.99%
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee See Terms
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®

Highlights

  • $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
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required

Card Fees

Foreign Transaction Fee

N/A

Balance Transfer Fee

N/A

Cash Advance Fee

N/A

Penalty APR

see terms

Ongoing Information

Rewards Rate

N/A

Annual Fee

See Terms

Additional Card Details

$0 Fraud Liability

No

Auto Rental Insurance

No

Extended Warranty Program

No

Roadside Assistance

No

Purchase Protection

No

Travel Assistance

No

Flight Accident Insurance

No

Lost Luggage Reimbursement

No

Concierge Service

No

Expert Reviews

From the CompareCards.com Editorial Team, updated on Sep 19, 2023

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 and offers a potential credit limit increase after the first six months.

Just know that while the FIT® Platinum Mastercard® offers an initial line of credit of $400, it also comes with a number of fees, including an annual fee, a processing fee and a monthly maintenance fee. 

Expert Reviews of the 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. In addition to reporting to the three major credit bureaus—TransUnion, Experian and Equifax, the card provides the opportunity to increase your credit limit after six months when you demonstrate responsible card usage, including paying your bill on time each month and keeping your card balance under your credit limit.

Although the FIT® Platinum Mastercard® doesn’t come with a rewards program, it does offer benefits, such as $0 fraud liability, access to a free monthly credit score when you enroll in e-statements, 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 of $89, a $99 annual fee, a monthly maintenance fee of $6.25 (not billed for the first 12 months of account opening) and a one-time additional card fee, if applicable. Some of these fees will be assessed before you start using your card, thereby reducing the amount of your initial available credit limit.

Additionally, with the FIT® Platinum Mastercard®, you will be subject to a high purchase APR of 29.99% (variable) if you don’t pay your balance in full each month. 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 Bank of Missouri. 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 Bank of Missouri.

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Rated 2/5.0 stars by our editorial team

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