Fit Mastercard Review 2021

Fit Mastercard Review 2021

Table of Contents

The Fit Credit Card is offered by a credit card company called Continental Finance – the same company that offers the Reflex Card and Verve Card.

As you’ll see below, the Fit credit card has more fees than you can count on one hand.

The three biggest are its annual fee, one-time processing fee, and monthly maintenance fee.

While an annual fee is not uncommon in credit cards designed for someone with fair or poor credit, that should be the only fee. To also have a processing fee and monthly maintenance fee makes this card very unappealing.

Fit Mastercard Fees, Rewards & Benefits

Key Details:

  • Regular APR: 29.9% at the time of publishing this review (variable)
  • Initial Credit Limit: $400
  • Credit Reporting: Monthly reporting to all three major credit bureaus
  • Fraud Liability: $0
  • Security Deposit: None (an unsecured credit card)


  • Annual Fee: $99
  • One-Time Processing Fee: $89
  • Monthly Maintenance fee: $75 (billed $6.25 per month starting in your second year)
  • Foreign Transaction Fee: 3%
  • Late Payment Fee: $40
  • Additional Card Fee: $30
  • Cash Advance Fee: Either $5.00 or 5% of the amount of each cash advance, whichever is greater

Sign-Up Bonuses and Rewards:

  • Not included according to the cardholder agreement, which is not uncommon for a beginner or secured credit card


  • Credit Card Application Process: Can apply online
  • Customer Service: You can contact a Continental Finance Company customer service representative by calling 1-866-449-4514
  • Mobile App: A mobile app is available to manage your online account
  • Checking Account Required: It appears a checking account is required in order to apply

Fit Mastercard Pro

  • Decent Starting Limit of $400 – The Fit Mastercard starts you off with a decent credit limit of $400. Most credit cards for folks with low scores start you off only with $300 limit or less.
  • Account Review for Credit Limit Increases After ONE Year – According to their website, your account will be reviewed for a credit limit increase after one year. While many credit cards do give you increases in credit limit if your account is in good standing after a while, some cards in this space do not.
  • Reports to ALL three major credit bureaus – This card reports to all three major credit bureaus so if you use the card responsibly (ie pay your bills on time and preferably in full), your credit should improve over time.
  • Reasonable Annual Fee – The annual fee is actually reasonable for these types of cards (once again check their website as this have changed recently as well). However, you do have to weigh that against the fact that they also charge other fees on top of your annual fee.
  • Free Vantage 3.0 Score from TransUnion – When you sign up for e-statements, you will be able to get a Free Vantage 3.0 Score from TransUnion. While getting some form of free credit scores are now quite common in prime credit cards, it is still not common for cards in the poor credit space.
  • Has Mobile App – This is one of the rare credit cards that has a mobile app.

Fit Mastercard Con

  • One time Processing Fee – Once you are approved, you will have to pay a one time processing fee (please check their website terms and conditions as these tend to change). This will reduce your initial credit limit of $400.
  • Monthly Fee from Second Year Onwards – From the second year onwards, you have to pay a monthly fee. (please check their website once again as this figure has changed recently again).
  • High APR – Most APRs for poor credit type cards are high and to be honest, you should not be too concerned about this because you should aim to pay your bills in full every month.
  • Need Checking Account – This should not be an issue for most of you. But if you have had problems with the Chex system and do not have a bank or checking account, then you cannot apply for this card.

Is FIT Mastercard Legit?

The FIT Mastercard is a real credit card you can use anywhere Mastercard is accepted. Unlike some cards marketed toward people with bad credit, it’s not a store card or a line of credit in disguise. 

However, it’s important to be aware of the high fees associated with this card. In addition to the $99 annual fee, $89 one-time processing fee, and $6.25 monthly fee, the FIT card’s annual percentage rate (APR) is 29.99%.

If your goal is to rebuild your credit, the FIT card can be a slippery slope to more debt. This is because the high interest rate will cause you to accumulate debt if you fail to pay off the balance each month.  

How to Apply for a FIT Mastercard Card

Applying for the FIT Mastercard is easy, as the application is available online. You can apply in three steps:

1. Go to the FIT Mastercard website and click “apply now” to access the application. 

2. Fill in the preliminary information to start your application. 

3. Click “continue your application” and follow the instructions. After you submit your application, you should receive a decision online within minutes. 

FIT Mastercard Card Customer Reviews

My customer person was terrific. Her voice was clear. Knowledgeable, polity. I did not need to ask her to repeat anything. This made the service quick and correct. I even complemented her. Something I do not do often. Sorry I did not make a note of her name. I am sure you can locate her.

Emmanuel Christian

Margret was a 10 Star Agent. She went above and beyond to assure me that she was there to help, and resolved my problems with ease, even though they were quite complicated. If I was Continental Finance, she would be the head of either HR, or Training. Amazing customer service. AMAZING. MVP. Employee of the Year. Useful Share


this card is a scam! when i went to pay the 89 dollar processing fee they declined my card. I know i had money on the card they declined, they put a hold on my card and now are refusing to release the hold! Of course they are not giving the 400 dollars of credit they promised. Scam scam scam! First they say there was no hold. Then it would be 24 hours after 3 days it will be another 3 days now they are saying there is no hold again. My bank says there is! Useful Share

Dawn Pitcher Burnett

I applied for a card, was approved , a few days later I went to pay the fee, only to find out that the card is cancelled because my address was a PO Box. Why was I aloud to even put it on the application if they don’t mail to PO Boxes??? (also a disclosure of some type would have been helpful) They then asked for proof of address which I provided. A week later when I called to check the status I was told to reapply. And have my already mediocre credit hit AGAIN?!?!?! No thanks. Useful Share

Jennifer Sprague Bridges

3 Best Alternatives for Fit Mastercard

If your credit score has held you back from qualifying for a credit card, you don’t have to settle for a card with exorbitant fees and high interest. Here are three alternatives to consider. 

1. Discover it Secured Credit Card

The Discover it Secured credit card has no annual fee and even offers rewards. Cardholders get 2% cash back on purchases at restaurants and gas stations up to $1,000 plus unlimited 1% cash back on everything else. 

However, the Discover it Secured card is a secured credit card, which means you must pay a security deposit. To get started, you must deposit $200, which also acts as your credit limit. 

As long as you use your card responsibly, you’ll be eligible to receive a higher credit limit without depositing additional money up front. The APR is 22.99%, which is much lower than that of the FIT Mastercard. 

2. Capital One Secured Mastercard

If you don’t have the budget for a security deposit, the Capital One Secured Mastercard might be a good choice. While it’s a secured card, you can choose a security deposit of $49, $99, or $200.

You’re also automatically eligible for a credit limit increase after five on-time payments. There is no annual fee and no processing fee required to get the Capital One Secured Mastercard.  

While the card doesn’t offer any rewards, the 26.99% APR is common for a rebuilding credit card. 

3. OpenSky Secured Visa Credit Card

The OpenSky Secured Visa credit card offers 18.95% APR, which is an excellent interest rate for a credit card geared toward people with bad credit. While there is a $35 annual fee, this fee is much lower compared to similar cards. 

OpenSky also reports your payment history to all three credit bureaus, making it a good choice for people looking to repair their credit score. The minimum security deposit required is $200, but you can deposit as much as $3,000.  

Simple Ways to Improve Your Credit Score

If you’ve been turned down for a credit card, you can improve your chances of getting that elusive approval by taking steps to improve your credit score. Here are four straightforward ways to make it happen.  

1. Review Your Credit Report

According to a study conducted by the Federal Trade Commission (FTC), 1 in 5 people has a mistake on their credit report. If you haven’t reviewed yours, this is a good place to start. 

You can get your free credit report by visiting and following the prompts. 

Once you have your report, check it over for accuracy. If you see any errors, you should dispute them with the credit bureaus. Getting errors removed can improve your credit score. 

2. Pay Your Bills on Time 

Your payment history is the single biggest factor in determining your credit score. It accounts for 35 percent of your score, and even one or two late payments can lower your score for years.

This is why you should always pay your bills on time. Avoid late payments on student loans, rent, auto loans, or any other form of credit.  

3. Become an Authorized User 

If your credit score is lower than you’d like, you can “borrow” someone else’s good score by becoming an authorized user on their account.

In most cases, it’s easiest to ask a close relative if they’ll make you an authorized user. If they agree, make sure you’re committed to using credit responsibly, as any recklessness on your part could end up hurting their credit.

You should also make sure their credit card company reports authorized user activity to the credit bureaus. That way you get credit for your positive payment history.   

4. Make Frequent Payments

Keep your debts low by making more than one payment per month. You might hear these referred to as “micropayments.”

You don’t necessarily have to make a double payment each month, but it’s often helpful if your budget allows for it. If you can’t afford two full payments, make a micropayment before the full balance is due. 

This helps keep your overall balances low, which can improve your credit utilization. This is the ratio of how much credit you’re using versus your total available credit. 

Your credit utilization makes up 30 percent of your credit score. Keeping your credit utilization below 30 percent can raise your credit score. 

FIT Mastercard FAQs

Here are some commonly asked questions and answers about the FIT Mastercard. 

What Are the Fees for a FIT Mastercard?

The FIT Mastercard fees are as follows:

  • $89 one-time processing fee
  • $99 annual fee for the first year
  • $6.25 monthly maintenance fee after the first year
  • $30 fee to add an authorized user
  • Cash advance fee of $5 or 5%, whichever is greater
  • 3% foreign transaction fee
  • Up to $40 late payment fee
  • Up to $40 returned payment fee

You can review the complete FIT Mastercard terms in the account disclosures document. 

Is There a Fit Mastercard Cash Back or Rewards Program?

No, the FIT Mastercard doesn’t offer rewards or cash back. 

Does FIT Mastercard Report Your Account Activity to the Credit Bureaus?

Yes, the FIT Mastercard reports to all three major credit bureaus. 

Does FIT Mastercard Give Credit Increases?

Depending on your creditworthiness and payment history, you may be eligible for a credit limit increase after six months. 

How Do I Make a FIT Mastercard Payment?

You can pay your bill via regular mail, by phone, or through the online account portal.

  • How do I pay for the processing fee?In most cases, the processing fee is taken out of your initial credit limit. So if you have a credit limit of $400, your initial available credit is $301 out the door.

How much does it cost to add an another card to my account?

In most cases, additional cards come with a one-time $30 fee.4

Are cash advances available immediately?

No. You must wait at least 95 days after opening your account to request a cash advance.