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FIT Mastercard® Credit Card review

A credit-building card with hefty fees.

  • Apply if your credit card options are severely limited and you don’t want a secured card.
  • Pick something else if you’re concerned about numerous fees that can cut into your low credit limit.
  • Apply with no credit score or higher.
1.0 ★★★★★ (2 reviews) Write a review

From $99

Annual fee


Purchase APR (variable)


Recommended credit score


Annual feeFrom $99
Annual fee conditionsOne-time $89 processing fee and $99 annual fee, plus a $6.25 monthly maintenance fee ($75 annually) after the first 12 months
Welcome offerN/A
Purchase APR29.99% variable
Balance transfer APRN/A
Minimum Credit Score580
Apply now

Review by

Steven Dashiell is Senior Writer, Personal Finance at Finder specializing in all things credit cards. With more than 300 articles under his belt, he aims to help readers embrace credit cards and maximize their rewards. Steve is studying to become a Certified Educator in Personal Finance, and is a frequent face on Finder’s YouTube channel, offering the latest in credit card hacks and advice. His expertise has been featured on numerous outlets, including U.S. News & World Report, NASDAQ, Time, CBS, Fox Business, Lifehacker, Martha Stewart Living and more.

Expert review

The FIT Mastercard® Credit Card is purported to help you build credit even if you have no credit history. But with a $99 annual fee, 29.99% purchase APR, a $89 process fee and $6.25 monthly fee, it’s hard to recommend this card for that purpose.

Certainly, this card has a few things going for it, like not requiring a credit check and reporting to all three major credit bureaus. But other secured cards offer the same perks with far fewer fees.

If you need to build or rebuild your credit score, there are better choices out there. The number of fees and lack of grace period work against the entire purpose of the card, leaving this a poor overall credit-building card.

How do I apply for the FIT Mastercard® Credit Card?

Applying for the FIT Mastercard® Credit Card is straightforward online:

  1. Select Apply now.
  2. Complete the information under the Start application field and click Continue your application.
  3. Follow the instructions and submit your application.

You must meet two requirements to apply for the FIT Mastercard® Credit Card:

  • US resident
  • At least 18 years old (19 years old in Alabama)

What credit score do I need?

You don’t need a prior credit history to apply or see approval for the FIT Mastercard® Credit Card. However, a fair or better credit score increases your chances of a higher credit limit.

FIT Mastercard® Credit Card drawbacks

  • Low credit limit.
    The highest credit limit you’ll see with this card is $400, and this can go lower depending on your credit score.
  • Numerous fees.
    The FIT Mastercard® Credit Card sports many fees that aren’t typical for a secured card. Here’s a look at the FIT Mastercard® Credit Card‘s fees compared to the standard fees for most cards in the industry:

    FIT MastercardIndustry standard
    Processing fee$89$0
    Maintenance fee$6.25 a month$0
    Annual fee$99$0
    “Expedited phone pay fee”$10.95$0
    Foreign transaction fees3%3%
    Cash advance fees5% or $5, whichever is greater5% or $10, whichever is greater
    Late or returned payment feeUp to $40Up to $35

    FIT Mastercard® Credit Card benefits

    • No credit limitations for application.
      Apply online for the FIT Mastercard® Credit Card whether you have poor credit or no credit at all.
    • Reports to the credit bureaus. FIT Mastercard® Credit Card reports your credit activity reported to all three major credit bureaus.

    Compare unsecured cards for building credit

    Weigh the APRs, fees and minimum credit scores required for a range of stronger unsecured cards.

    1 - 3 of 15
    Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
    Indigo® Mastercard® Credit Card
    24.9% variable
    $0 to $99
    The Indigo® Mastercard® Credit Card is specifically designed for those with less than perfect credit.
    Tomo Credit Card
    New to credit
    A credit-building card with no fees, no APR, and no credit check.
    Surge Mastercard® Credit Card
    You may be asked to make a deposit for a secured card
    24.99% to 29.99% variable
    $75 to $99
    An unsecured credit-building card with a $0 fee on cash advances for the first 12 months, then 5% or $5. This is a rare offer among similar cards.

    Compare up to 4 providers

    Bottom line

    The FIT Mastercard® Credit Card‘s numerous fees keep it from fulfilling its purpose as a credit-building card, even for those without a prior credit history. These fees can cut into an already low credit limit, making it hard to use it for even everyday purchases.

    For stronger, friendlier options for building or rebuilding your credit, compare a range of secured cards that can better suit your budget.

    Frequently asked questions

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