Fit Mastercard

By Raquel Oliveira • 04/04/2025

Fit Mastercard help individuals with establish or rebuild their financial standing.

The FIT Mastercard is designed for individuals looking to establish or rebuild their credit history. It offers an initial credit limit of $400, monthly reporting to the three major credit bureaus, and fraud protection for added security.

While it has high fees, it can be a helpful tool for those who need to improve their financial standing with responsible use.

If you’re searching for a credit card that reports payments regularly, helps demonstrate creditworthiness, and provides a manageable credit limit, the FIT Mastercard could be a good option.

However, before applying, it’s essential to weigh the benefits and costs to determine if it’s the right fit for you.

A Credit-Building Tool with High Costs

The FIT Mastercard offers a clear pathway for individuals looking to build or rebuild their credit, thanks to regular credit bureau reporting and fraud protection. However, the high fees and high APR make it an expensive choice if not used carefully.

For those who are dedicated to improving their credit score and can manage the associated costs, this card can be a useful stepping stone. However, paying off the balance in full each month is crucial to avoid interest charges and unnecessary fees.

If you’re looking for a way to rebuild credit with an unsecured credit card, the FIT Mastercard may be a good choice—but only if used responsibly.

$400 Initial Credit Limit: A Starting Point for Credit Growth

One of the main features of the FIT Mastercard is the $400 initial credit limit. While it is lower than some unsecured credit cards, it provides a manageable starting point for individuals working to improve their credit score.

Using the FIT Mastercard responsibly by keeping credit utilization low and making on-time payments can increase the chances of a future credit limit increase. This gradual improvement can help build a stronger credit profile over time.

Pros and Cons of the FIT Mastercard

Pros:

• Accessible Credit Building – Designed for individuals with less-than-perfect credit, offering an opportunity to establish or rebuild credit.
• Reports to Major Credit Bureaus – Payments are reported to Experian, Equifax, and TransUnion, helping improve credit scores with on-time payments.
• Mastercard Zero Liability Protection – Protects against unauthorized transactions, adding extra security to purchases.
• Potential for Credit Limit Increases – With responsible use, the credit limit may be increased over time.

Cons:

• High Fees – Includes a one-time processing fee of $95, an annual fee of $99 for the first year (increasing to $125 after the first year), and a monthly maintenance fee of $12.50 after the first year.
• High APR – With an APR of 35.9%, carrying a balance can lead to substantial interest charges.
• No Rewards Program – Unlike other credit cards, this card does not offer cashback, travel points, or rewards.
• Lower Initial Credit Limit – The $400 starting limit may not be sufficient for larger purchases.

How Do I Know If the Fit Mastercard® Is the Best Credit Card for Me?

The Fit Mastercard® is ideal for individuals focused on building or rebuilding their credit. If you’re unable to qualify for traditional credit cards due to a limited or damaged credit history, this card provides a pathway to improve your financial standing.

However, the fees associated with this card make it important to evaluate whether the benefits of credit-building outweigh the costs. For those who can use it responsibly, the Fit Mastercard® can be a stepping stone to better credit opportunities in the future.

Why Do We Like This Card?

We like the Fit Mastercard® for its simplicity and focus on helping individuals establish or rebuild their credit. By reporting to all three credit bureaus, it provides the tools necessary to build a positive credit history.

While the fees are higher than average, the card’s accessibility makes it a practical choice for those who need a fresh start.

For individuals willing to commit to responsible credit use, the Fit Mastercard® can open doors to improved financial opportunities.