Fit MasterCard® Credit Card

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By : Mr Credit Card

The Fit MasterCard is not a credit card tied to any fitness club. Instead, it is one of the latest card offerings from Continental Finance. It is a card that is target at those of you with bad credit and are in a rebuilding mode.

Pros and Cons


  • 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.


  • 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.


As far as being a rebuilder card goes, the Fit Mastercard is operating in a crowded field. Consumers and folks like you have a choice of both secured and unsecured credit cards. As a general rule, secured credit cards have much lower fees than unsecured ones but you have to put up a security deposit.

Among unsecured credit cards, the Fit Mastercard has got more fees because they now have an annual fee, a one-time processing fee and a month fee during the second year onwards. There are cards like Fingerhut Credit Account (that have no fees at all) and cards like Credit One that just have an annual fee.

Having said that, it may not matter to some of you in the because you may have been declined for some of these cards.

Our Take: Another Choice in Bad Credit Land

Let's get one thing straight. The Fit Mastercard does not have the lowest fee among cards targeting those of you with bad credit. Neither does it have the lowest APR. In fact, if fees are your main concern (and they should be a concern), you are better off trying to get a no annual fee secured credit card. There are also other unsecured credit cards available for bad credit folks too.

But I suspect the reason you are taking a look at this card is because you have probably been rejected by other card issuers (and very often there is no explanation is to why some cards reject you while others accept you). If you find yourself in this situation and are looking for an unsecured credit card to rebuild your credit, then the Fit Mastercard might just fit the bill.

One strategy many folks use is to get the card for a year and rebuild your credit. Then try to get a better card (aka lower fees and higher credit limit) and close the account before the monthly fees and the second annual fee hits you. You should also make sure you do not use more than 30% of your credit limit and pay your bills in full (this advice applies to everyone who has a credit card BTW).