The FIT Platinum Mastercard is an unsecured credit card designed to help individuals rebuild or establish credit, even with limited or poor credit history. With full reporting to all three major credit bureaus and Mastercard protection, this card offers essential credit access without needing a deposit.
🎁 No Rewards — Just Credit-Building Power
- This card does not offer cash back, points, or miles—it’s solely focused on helping you rebuild your credit effectively.
- No distractions—just consistent, responsible usage translates into positive credit activity.
💸 Transparent Fees & Terms (Know Before You Apply)
The FIT™ card is structured for access—but comes with significant costs:
- Initial Credit Limit: $400 guaranteed — whether you qualify or not
- Processing Fee: $95 paid upfront before account activation
- Annual Fee: $99 for year one, then $125 annually thereafter
- Monthly Fee: $0 in year one, then $12.50/month starting in year two (totaling $150/year)
- APR: 35.90% fixed—among the highest in credit-building cards
- Foreign Transaction Fee: 0% first year; 3% thereafter
This structure means the FIT card costs around $194 in year one and up to $275 annually afterward—even before making a single purchase.
📊 Credit Tools & Reporting Structure
While simple in features, the card delivers key credit-building functionality:
- Your payment history is monthly reported to Equifax, Experian, and TransUnion, essential for rebuilding your credit profile
- No security deposit required, making it more accessible than secured alternatives
- Potential for credit line increase after 6 months of on-time payments (e.g., up to $800)
📱 Basic but Functional Digital Access
- Access your account, view payments, and set alerts through Continental Finance’s online portal or app.
- Includes Mastercard Zero Liability Protection, ensuring you’re not responsible for unauthorized purchases.
- EMV chip technology provides added security at point-of-sale terminals .
🔐 Security for Peace of Mind
- Zero Fraud Liability ensures you’re protected in case of unauthorized transactions .
- Chip and PIN capabilities improve security during in-person purchases.
- Continuous fraud monitoring is provided by Mastercard and Continental Finance.
📄 Clear Summary of Terms
| Feature | Details |
| Credit Limit | $400 initial |
| One-Time Processing Fee | $95 |
| Annual Fee | $99 first year, $125 subsequent years |
| Monthly Fee | $0 first year; $12.50/month from year two onward |
| APR | 35.90% fixed |
| Security Deposit | Not required |
| Rewards | None |
| Fee Waiver Year One | Monthly fee waived in year one |
| Credit Reporting | Monthly to three bureaus |
| Credit Limit Increase | Possible after 6 months of on-time payments |
| Best For | Users rebuilding or establishing credit when no alternative options available |
| Consider Alternatives | Secured cards like Capital One or Discover Secured with lower costs |
✅ Who Should Choose the FIT Platinum Mastercard
- You have limited or negative credit history and need status rebuilding options.
- You want unsecured access without risking a refundable deposit.
- You plan to use the card only temporarily—pay it off each month, minimize usage, then move to a better card once your credit recovers.
However, due to its high fees and APR, most experts recommend this as a last resort, ideally used only until you qualify for lower-cost or secured alternatives .
🚀 Take Control of Your Credit Journey Today
The FIT Platinum Mastercard offers a path to affordable credit for those who need it most—no deposit required, accessible approval, and consistent reporting to all three credit bureaus.
How to apply:
- Visit the FIT card application webpage (Credibly presented via Continental Finance).
- Pay the $95 activation fee.
- Make small, occasional purchases and pay the balance in full on time.
- After 6–12 months, consider upgrading to a better credit card and close FIT when appropriate.
Apply now if you have few other options—and use it wisely to rebuild your credit foundation while keeping costs as low as possible.
