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FIT Mastercard® Credit Card review

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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.

From $99

Annual fee


Purchase APR (variable)


Recommended credit score


Product NameFIT Mastercard® Credit Card
Card typeMastercard
Annual feeFrom $99
Purchase APR29.99% variable
Balance transfer APRN/A
Cash advance rate29.99% variable
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $40
Returned payment feeUp to $40
Additional cardholder fee$30

Expert review

Steven Dashiell

Review by

Steven Dashiell is a credit cards writer at Finder. He's worked on 250 Finder articles and counting, helping readers embrace and maximize credit cards. Backed by nearly a decade of research and reporting experience, Steve's work can be seen on, and Lifehacker.

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.

What to watch out for

  • 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

    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.

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

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

    1. Click 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.

    Compare unsecured cards for building credit

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

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    Credit One Bank® Unsecured Visa® with Cash Back Rewards
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    Indigo® Platinum Mastercard® Credit Card
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    The Indigo® Platinum Mastercard® Credit Card is specifically designed for those with less than perfect credit.
    Reflex Mastercard® Credit Card
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    25.9% to 29.99% variable
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    Made for people with poor credit who want an unsecured credit card. It can help you build credit, but watch out for high fees and interest.

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    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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