If your credit score has taken a hit and you’re struggling to get approved elsewhere, the FIT Mastercard® could be the tool that helps you get back on track. Designed for bad or limited credit, this unsecured card gives you a second chance to rebuild your credit history — with monthly reporting to all three major bureaus and a manageable starting limit.
While it’s not a rewards card, the FIT Mastercard focuses on what really matters when rebuilding: access, reporting, and control.
💳 Key Features of the FIT Mastercard
- ✅ Designed for bad or limited credit — approval possible even with scores below 600
- 💵 Reports to all 3 major credit bureaus (Experian, Equifax, TransUnion)
- 💰 Unsecured card — no security deposit required
- ⚡ Fast pre-qualification with no impact on your credit score
- 💳 Initial $400 credit limit (can double to $800 after 6 months of on-time payments)
- 🔐 Zero fraud liability from Mastercard
- 📱 Online and mobile account management
You will stay in the current site.
🧠 Who the FIT Mastercard Is Best For
This card isn’t for everyone — but it’s perfect if you’re in one of these categories:
- You have poor credit and want to rebuild responsibly
- You’ve been denied for other unsecured cards
- You want to establish a positive payment history quickly
- You’re transitioning from a secured card and ready for an unsecured option
💬 Pro Tip: The FIT Mastercard is issued by Continental Finance, one of the few issuers that regularly approves applicants with sub-600 credit scores.
⚙️ How It Works
- Pre-qualify online — no credit score impact
- Complete the full application if you receive an offer
- Pay the one-time program fee ($89)
- Get a $400 unsecured credit line
- Make on-time payments for 6 months
- Potential automatic credit limit increase to $800
💡 Insider tip: Setting up AutoPay prevents missed payments and can trigger faster credit limit reviews.
🔍 FIT Mastercard vs. Other Credit-Building Cards
| Feature | FIT Mastercard® | Capital One Platinum Secured® | Milestone® Gold Mastercard® |
|---|---|---|---|
| Credit Check | Soft pull for pre-qual | Yes | Soft pull |
| Deposit Required | ❌ No | ✅ Yes ($49–$200) | ❌ No |
| Reports to Bureaus | ✅ Yes (3) | ✅ Yes | ✅ Yes |
| Annual Fee | $99 | $0 | $75–$99 |
| Starting Limit | $400 | $200+ (secured) | $300 |
| Credit Increase | After 6 months | After 6 months | After 12 months |
👉 Verdict: The FIT Mastercard offers a faster, no-deposit path to rebuilding — though it carries higher fees than secured cards.
👍 Pros & 👎 Cons
Pros
- Available for users with poor or limited credit
- Reports to all three bureaus monthly
- Credit line can double after 6 months
- No security deposit required
- Fast pre-qualification with soft pull
Cons
- $89 program fee + $99 annual fee
- High variable APR (around 29.99%)
- No rewards or cash back
- Low starting limit
🚀 A Legit Path to Rebuilding Credit
The FIT Mastercard isn’t a luxury card — it’s a rebuilding tool. For users with damaged or limited credit histories, it provides exactly what you need to rebuild your score: consistent reporting, no deposit, and upgrade potential.
It’s best suited for people who are committed to paying on time, keeping balances low, and using the card strategically to prove financial responsibility.
If that sounds like your plan, the FIT Mastercard could be your first real step back toward good credit.
👉 Check if you pre-qualify for the FIT Mastercard now — it won’t affect your credit score.
You will stay in the current site.
