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Fit Mastercard® Credit Card


Fit Mastercard® Credit Card

Recommended For:

cdm-card Bad Credit

Recommended For: Bad Credit

Applying for this card will securely direct you to the issuer's website.

Regular APR
Intro APR:
APR (Purchases):
See Terms*
APR (Cash Advances):
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Fees & Details
Annual Fee:
See Terms*
Grace Period:
See Terms*
Late Payment Fee:
See Terms*
Over-The-Limit Fee:
See Terms*
Cash Advance Fee:
See Terms*
Balance Transfer Fee:
See Terms*
Foreign Transaction Fee:
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EMV Compatible:
Reward Details
Points per Dollar:
Additional Points:
Point Details:
Yearly Limit:

More about the Fit Mastercard® Credit Card

  • 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 that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required

Reviewing The Fit Mastercard

The Fit Mastercard® Credit Card is designed for people who have less than perfect credit. If you are trying to build or re-establish your credit, getting a card like the Fit Mastercard may help, provided you make your payments on time and your balance stays under the designated credit limit. If you have great credit, you are still welcome to sign up for the credit card. Everyone is welcome to apply.

Issued by the Bank of Missouri, the Fit Mastercard starts with a small credit limit that is designed to give you some flexibility when using the card. Make small purchases, pay them off on time, and repeat the process. Stay under the credit limit to avoid over-the-limit fees and dings on your credit report. As you pay off the balance and show you can use the card responsibly, your credit could improve.

The Bank of Missouri is an independent community bank. The Fit Mastercard division partners with Continental Finance, a leader in credit cards for those with less-than-perfect credit histories. Both companies strive to make customers feel like they have been treated fairly, respectfully, and are valued even if they have struggled in the past to build a strong credit history. Here is a closer look at the pros and cons associated with the Fit Mastercard® Credit Card.

Main Benefits Of The Fit Mastercard

The Fit Mastercard® Credit Card has an incredibly easy application process that will not challenge applicants. To apply online, you enter your name and contact information, answer the question about having an active checking account, certify that you are a U.S. resident and verify your age. Be mindful of your state laws as the legal age to apply for a credit card can be different from one state to another. Your Social Security number, estimated gross monthly income, and date of birth are all required to apply. Once you complete the application and submit it, you should have an answer online instantly. In some cases the bank will require more information from you to complete your application, in that case, it could take up to 30 days to have a decision. Once approved, there will be a processing fee you will need to pay to activate your account. Within three business days of approval, they will mail your credit card and welcome package.

Information regarding your credit limit, amount of used credit, and payment history will be reported to all three main credit reporting agencies, which builds your credit history. Pay your Fit Mastercard bills on time and use the card responsibly and that could help improve your credit. Each step you take to show you are responsible with your finances is reported to Equifax, Experian, and Transunion. 

The Fit Mastercard® Credit Card also allows you to see your credit score every month if you enroll in e-statements. You will be able to track the changes in your credit score with ease. Keep your eye on your score. If you find your score falls and you are not sure why, your credit score can act as an alert for you to start checking your credit accounts for charges that you did not authorize, or missed payments, etc. Keeping an eye on your credit score can help you make decisions to benefit your score.

The initial credit limit on the Fit Mastercard is relatively low and there are a few reasons for that. If you have bad credit when you get the card it may be because you have had financial hardships in the past and the bank takes that into consideration when extending you a credit line. They give you a lower credit line so that you can work on building a positive credit history, with responsible card use. The good news is that it is not so low that you will never be able to use it, you will have plenty of opportunities to use the card. After six months, you will have made several payments and should have a solid understanding of how a credit card works. At that point, you can request a free account review to see if you qualify for a credit line increase. Keep using the card responsibly and your credit could improve. Over time, if your credit improves it could open the door to other favorable credit and loan options that may not have been available to you before.

With the Fit Mastercard® Credit Card, you have access to free online account access 24/7. This is ideal for checking your balance, seeing if a payment has cleared, making your monthly payment, or paying off the balance. You do still get a monthly statement in the mail unless you go online and switch to e-statements. If you would like to manage your banking on your smartphone, Fit Mastercard has an online banking app for Android and iOS devices. Use it to check that payment has cleared, see what your credit balance is, reach out to customer support, or handle many other of your banking needs.

If someone steals your credit card number, the card comes with $0 Fraud Liability. Check your purchase history regularly and report unauthorized purchases as soon as you notice them. If you did not authorize a specific transaction, you will not be held responsible for it. You can make online purchases with confidence knowing that if there is a website breach, you won’t be paying for fraudulent transactions.

Main Drawbacks Of The Fit Mastercard

Those are the benefits of the Fit Mastercard® Credit Card. What are the drawbacks? Many credit cards that are offered to those with poor or limited credit come with fees and the Fit Mastercard does as well.

The fees with the Fit Mastercard are significant. You pay an application fee and a yearly fee. After the first year, you also pay monthly maintenance fees. If you want to add an additional user to your account, there is another fee for that. There are fees for cash advances, foreign purchases, late payments, and return payments. The additional card fee and annual fee are deducted immediately from your credit limit. If you get the maximum $400 limit, the fees are deducted from that limit, which leaves you with less spending power until you’ve paid enough to cover the fees.

A high APR is another drawback of this credit card. It has one of the highest interest rates in the credit card industry. If you do make minimum payments rather than paying off your charges each month, your interest charges could be significant.

Make sure you understand the terms and ask if you don’t. Take the time to read the terms and conditions. People often skip the fine print. While fine print may not be fun to read, it is important. It is how you learn the way the card works, the fees that are associated with the card and even the benefits that the card comes with.

You do need to call to activate your Fit Mastercard when it arrives. Cards must be activated within 30 days of receipt or the account will be closed. Online activation of new cards is not possible. 

Who The Fit Mastercard Is Right For

The Fit Mastercard® Credit Card is designed for people with bad credit or no credit history. You do need to keep the fees and interest rates in mind if you apply. Weigh the benefits of the card with the fees that you may incur to be sure the card fits your credit needs. Should you have questions or not understand something about your bill, online account access is a good way to reach customer support. There is also automated phone support and toll-free support with customer care specialists. With several toll-free numbers, answers to your questions or help with problems isn’t a hassle.

Using the Fit Mastercard responsibly is one step you can take to improving your credit. Pay your bills on time, try to mix up the types of credit you use (car loans, mortgages, credit cards, etc.), keep making on-time payments, and aim for spending no more than 30% of your credit limit. If you need a credit card to help improve your credit, if used responsibly, the Fit Mastercard® Credit Card could be a viable option.


To apply for the Fit Mastercard® Credit Card, click below to be redirected to the secure application.


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