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Last updated on March 4th, 2021
- 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 TransUnion* (When you sign up for e-statements)
- Checking Account Required
- Regular Purchase APR: 29.99% variable based on the Prime Rate
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: See Terms
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
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At a Glance
The FIT Mastercard® is one of many credit cards for people with bad credit or no credit score. The card starts with a $400 unsecured credit line – but offers the chance at credit limit increases in as few as six months.
Ideal for Those Who:
- Have no credit (or bad credit) and want to build up a positive credit history
- Don’t have the funds for a security deposit on a secured card
- Want credit protection
FIT Mastercard® Review
The FIT Mastercard is a quality credit card for people with fair credit, bad credit, or no credit history.
No Credit Score Is No Problem
The FIT credit card is ideal for people with no credit or a damaged credit score. Continental Finance understands building credit can be challenging – that’s why they make their FIT Card available to such a comprehensive credit profile.
Successful applicants receive an initial $400 credit line – with no security deposit required. Making on-time payments can unlock credit limit increases after just six months. According to Continental, “you could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your credit score.”
The FIT Mastercard reports to all three major credit bureaus every month – TransUnion, Experian, and Equifax. Paying your bill on-time won’t just get you a shot of a credit line increase; it can also help you build your credit score quickly.
Cardholders also receive free access to their FICO credit score every month. Monitoring your credit score is one of the best ways to help raise your credit score. By checking your free credit score each month, you can see what steps you must take to boost your score – including how to reduce spending to lower your credit utilization.
Higher-Than-Average APR and Fees
Since good credit is not required to be approved for the FIT Mastercard, it does feature higher interest rates than some other credit cards on the market – mainly secured credit cards. Additionally, some fees associated with this card may not be present with other similar credit cards.
Besides the annual fee, cardholders can expect a monthly maintenance fee. Fortunately, Continental waives this fee the first year, saving cardholders money while building their credit by paying their statements on time.
Continental Credit Protection
FIT Mastercard cardholders also have access to the optional Continental Credit Protection program for an additional surcharge. Cardholders can access this feature by paying $0.99 for every $100 of outstanding balance they have on their FIT account. That fee is automatically billed each month.
This benefit serves as a debt cancellation program if the cardholder loses their job or becomes disabled. The program covers up to 12 consecutive minimum monthly payments for those that meet the qualifications. This program also pays off any balance in full, should the cardholder pass away.
Should You Apply for the FIT Mastercard®?
The FIT Mastercard is an unsecured credit card that is perfect for those who have no credit or bad credit scores and cannot get approved for other credit cards.
Because Continental Finance is open to applicants from a wide array of credit profiles, the card features higher-than-average fees and interest rates. Still, making your payments on-time and in-full can significantly reduce many of these charges – and build your credit score at the same time. Continental also waives maintenance fees for the first year, saving you even more money.
Overall, the FIT Mastercard is a reliable option to consider – but it comes with the caveat that there will be fees – and a lower credit limit that may come with a secured card (depending on your minimum-security deposit).