FIT Mastercard – How to Apply
The FIT Mastercard® is a practical and straightforward credit-building tool for individuals who are either new to credit or trying to recover from past financial issues.
It’s especially beneficial for people who don’t have the funds for a secured card but still want to take meaningful steps toward better credit health.
With no rewards program, no flashy perks, and relatively high fees, this card is designed for function over flair. It exists to provide access, report your usage to the credit bureaus, and allow you to prove your financial responsibility.
Let’s be clear: this isn’t the card for lavish spending or long-term use. But it can be a smart short-term strategy if your goal is to strengthen your credit profile and eventually qualify for more beneficial cards.
FIT Mastercard
No security deposit required High APRHow Does the FIT Mastercard® Work?
Once you pre-qualify—which only takes seconds and doesn’t affect your credit score—you can move forward with a formal application. If approved, you’ll receive a $400 credit line, and with consistent on-time payments over six months, that can automatically double to $800.
This automatic credit increase helps improve your credit utilization ratio, which is one of the biggest factors in your credit score. A higher credit line with low usage sends a strong positive signal to credit bureaus.
Your payment activity is reported to Experian, Equifax, and TransUnion, ensuring that your responsible behavior counts. Just be sure to pay on time and avoid carrying high balances to see the most benefit.
While the APR is high—around 29.99% variable—that’s expected with cards aimed at subprime users. If you pay your balance in full every month, you can avoid interest altogether and maximize the credit-building benefits.
Main Benefits of the FIT Mastercard®
One of the biggest draws is that the FIT Mastercard is unsecured—you don’t need to send in a $200+ deposit to open the account. That instantly lowers the barrier to entry for many people who are living paycheck to paycheck but still want to rebuild their credit.
Another advantage is the potential for growth. Many starter cards leave you stuck with the same low limit indefinitely.
With FIT, if you demonstrate responsible behavior, your credit limit can double within just six months. That improvement not only helps your spending flexibility, but it also contributes directly to your credit score.
The pre-qualification process is simple and doesn’t ding your credit report. That’s a big win for people who are already worried about hard inquiries dragging their score even lower.
And because it’s a Mastercard, it’s accepted almost everywhere and comes with basic fraud protection, giving you peace of mind when shopping online or in-store.
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Cons of the FIT Mastercard®
Let’s address the elephant in the room: the fees. The card comes with a $99 annual fee, which is charged upfront, and a $6.25 monthly maintenance fee after the first year. That means you’re paying over $174 in the second year just to keep the card open.
Additionally, the APR is nearly 30%, making this a dangerous card to carry a balance on. Ideally, you’ll want to pay off your statement in full each month to avoid interest charges.
The low initial credit limit may feel restricting, especially if you’re used to cards with more room to spend. However, that’s often the price of entry when rebuilding your credit.
And there are no rewards—no points, no cash back, no travel perks. This card is a pure credit tool, and it’s best approached with that mindset.
Fees and APR
- Annual Fee: $99
- Monthly Maintenance Fee: $0 in year one, then $6.25/month
- APR: 29.99% (variable)
- Late Payment Fee: Up to $41
- Overlimit Fee: None
- Foreign Transaction Fee: 3% of each transaction
These fees make the card relatively expensive to maintain. However, for many users, that’s an acceptable trade-off for the ability to access credit and start rebuilding.
How to Apply for the FIT Mastercard®
Once approved, activate your card and begin using it responsibly.
- Visit the official FIT Mastercard website.
- Click on “Pre-Qualify” to check eligibility with no credit impact.
- If pre-qualified, complete the full application with your details.
- Submit the form and receive an instant approval decision.
