FIT® Platinum Mastercard®

Advertiser Disclosure Editorial Disclosure

Last updated on August 17th, 2023

Advertiser Disclosure Editorial Disclosure

FIT® Platinum Mastercard®

FIT® Platinum Mastercard®
Fair-Poor uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Credit Needed: Fair/ Poor
Mastercard Processing Network
See Terms* Annual Fee

FIT® Platinum Mastercard®

  • 29.99% Regular Purchase APR
  • See Terms* Cash Advance APR

At a Glance

The FIT Mastercard® is an unsecured credit card that offers the chance of a credit line increase in just six months. The card starts with a $400 unsecured credit line – but offers the chance at a double your credit limit increase in as few as six months.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • $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
  • Regular Purchase APR: 29.99%
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: Up to $41
  • Return Payment Penalty Fee: Up to $41
  • You have no credit (or bad credit) and want to build up a positive credit history
  • You don’t have the funds for a security deposit on a secured card
  • You want to double your credit line with six minimum payments on-time
  • You want monthly reporting to the three major credit bureaus

FIT® Platinum Mastercard® Review

The FIT Mastercard is a quality credit card for people with fair credit, bad credit, or no credit history.

No Credit? No Problem

The FIT credit card is ideal for people with no credit or a damaged credit. Continental Finance (the credit card issuer) understands building credit can be challenging – that’s why they make their FIT Card available to such a comprehensive credit profile.

The Fit Card offers a fast and easy application process – results are available in seconds. Subject to available credit, successful applicants receive an initial credit limit of $400.00 – with no security deposit required. Making on-time payments can unlock credit limit increases after just six months.

That credit limit increase is 2X the starting limit – a $400 credit limit that doubles to $800, just by making the first six monthly payments on time. According to Continental, “you could experience the reward of more spending power, a lower credit utilization ratio, and the potential to raise your 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 quickly.

Cardholders also receive free access to their FICO score every month. Monitoring your credit report is one of the best ways to help raise your score. By checking your free score each month, you can see what steps you must take to boost your credit – 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.

Other Card Features

  • Free access to your Vantage 3.0 score from Experian when you sign up for e-statements
  • Use your card at locations everywhere that Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection

FAQs About the FIT Mastercard

  • Yes. FIT will not prohibit based on credit score, but the better the credit, the better the odds of approval. That said, if you’re 18 or older, and prove that you’re able to make monthly bill payments, you should potentially consider the FIT Card.
  • Yes, applying for the Fit Mastercard Credit Card will do a hard pull on your credit report.
  • The starting credit limit for the Fit Mastercard is $400.

Most successful applicants with the FIT Mastercard have a credit score of 350+.

  • FIT Mastercard provides a quick – or instant – decision on most credit card applications. However, in some cases the issuer may need to collect additional information to make a decision, which could take up to 30 days.
  • Yes. Applying for the FIT Card will result in a hard inquiry on your credit reports.

FIT Mastercard Ratings

How does the FIT Mastercard stack up? Here are a selection of expert reviews for the card:


BBB Rating


User Rating


Should You Apply for the FIT® Platinum Mastercard®?

The FIT Mastercard is an unsecured credit card that is perfect for those who have no credit or bad credit 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 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 credit card 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).  

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