FIT Mastercard Credit Card: A Smart Move Toward Credit Recovery

With fast prequalification, no security deposit, and reporting to all three bureaus, this card is a practical solution for gaining financial momentum.

The FIT Mastercard Credit Card is designed to help U.S. consumers rebuild or establish credit while enjoying the convenience of a real credit card. With an initial credit limit that may double over time and monthly reporting to all three major credit bureaus, the FIT Mastercard can be a reliable tool for those looking to strengthen their credit profile. 

No security deposit required, no need for perfect credit, and an easy online application process — the FIT Mastercard is a smart first step to financial stability.

Cashback & Rewards

The FIT Mastercard currently does not offer cashback or rewards, as its main focus is credit building. Instead, it provides real value by helping users increase their credit score over time through responsible use and on-time payments. If your goal is to rebuild your credit and eventually qualify for rewards cards, this is the place to start.

Save on Fees & Improve Creditworthiness

While there is no intro APR offer available, the FIT Mastercard provides key features that support credit growth. Unlike many cards for people with poor or limited credit, the FIT Mastercard doesn’t require a security deposit. Cardholders can also benefit from a potential credit limit increase after just six months of on-time payments — a feature not often found in unsecured subprime cards.

Manage Your Finances with Confidence

This card offers online account management through a dedicated portal where you can track spending, monitor your balance, and make payments. While it doesn’t offer an advanced app experience, it includes standard financial tools like account alerts and paperless billing.

Technology and Payment Convenience

• Compatible with mobile payments and digital wallets
• Online access available 24/7
• Payments can be made via mobile or web interface
• Simple tools for setting up auto-pay

Strong Security Measures

• Zero Fraud Liability protection
• EMV chip for enhanced security
• Access to customer service for disputes or unauthorized charges
• Fraud monitoring services to detect suspicious activity

Terms & Conditions (Summary)

• APR: 29.99% variable
• Annual Fee: $99
• Monthly Maintenance Fee: Up to $6.25 after the first year
• Foreign Transaction Fee: 3%
• Credit Limit: Starts at $400, may double with responsible use

💡 Tip: Always pay in full monthly to avoid high interest and build a positive payment history.

Who Can Apply?

You may be eligible if you:

• Are at least 18 years old (or 19 in AL/NE)
• Have a valid Social Security Number
• Are a U.S. resident
• Can demonstrate ability to repay
• Do not have a FIT Mastercard account currently open

How to Apply

1. Visit the official FIT Mastercard website.
2. Click “Apply Now.”
3. Fill out your name, address, and employment information.
4. Submit the form to receive a fast decision.
5. If approved, review your terms and activate your card when it arrives.

Frequently Asked Questions (FAQs)

1. Is the FIT Mastercard a secured credit card?
   No. It’s an unsecured credit card — no deposit required.
2. What’s the starting credit limit?
   Most users start with a $400 limit, which may double to $800 after 6 months of on-time payments.
3. Does it report to credit bureaus?
   Yes, monthly reporting to Equifax, TransUnion, and Experian.
4. Are there any rewards?
   No cashback or points; the main benefit is credit building.