Rated 2/5.0 stars by our editorial team
Click the stars to submit your rating.
Rating already submitted!
Thanks for rating!
2/5.0 from 0 Offer Ratings
Over the Past 60 Days!
FIT™ Platinum Mastercard®
FIT™ Platinum Mastercard® Review
Overall, the FIT™ Platinum Mastercard® is an acceptable option if you have bad credit or limited credit, since it offers a $400 initial credit limit without a security deposit and reports to the three major credit bureaus. However, due to the card’s numerous fees and extremely high interest rates, a secured credit card instead may be a less expensive option.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
FIT™ Platinum Mastercard®
SIGN-UP BONUS
N/A
REWARDS RATE
Non-rewards card
Credit Line
Initial Credit Limit of $400.00* (Subject to available credit)
Easy Application
Fast and easy application process; results in seconds. All credit types welcome to apply.
Build Credit
Monthly reporting to the three major credit bureaus.
Annual Fee
See terms
Card Brand
Mastercard®
Recommended Credit Score
Poor / FairHighlights
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Additional Info
Foreign Transaction Fee
3% of each transaction in U.S. dollars
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Jul 03, 2025
Issued by Continental Finance, the FIT™ Platinum Mastercard® is a decent credit card option for those looking to establish or rebuild their credit.
The FIT™ Platinum Mastercard® is an unsecured credit card—meaning, it doesn't require a security deposit that will serve as your credit line. Additionally, the card reports to the three major credit bureaus.
Just know that while the FIT™ Platinum Mastercard® offers an initial line of credit of $400, it also comes with a number of fees that can add up fast.
The Good
- The FIT™ Platinum Mastercard®, which is open to applicants with good, bad or limited credit, is designed to help cardholders establish credit or improve their credit score and can be used anywhere Mastercard is accepted. The card also report to the three major credit bureaus—TransUnion, Experian and Equifax.
Although the FIT™ Platinum Mastercard® doesn’t come with a rewards program, it does offer benefits, such as $0 fraud liability, online account management and credit protection. Also, when trying to build credit, credit card rewards should be a low priority anyway, as paying your balance in full and on time each month is what is most important.
The Not So Good
- The FIT™ Platinum Mastercard® charges a number of costly fees, including a one-time processing fee, which can add up pretty fast,
Additionally, the card has a very high purchase APR of 35.90% Fixed. But that’s to be expected from a credit card designed for individuals with less than perfect credit.
The Bottom Line
Overall, the FIT™ Platinum Mastercard® is an acceptable option if you have bad credit or limited credit, since it offers a $400 initial credit limit without a security deposit and reports to the three major credit bureaus. However, due to the card’s numerous fees and extremely high interest rates, a secured credit card instead may be a less expensive option.
Editorial Note: This content is not provided by Continental Finance. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Continental Finance.
Related Card Offers
Apply Now
on Discover's secure site
0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
See Our Review
Apply Now
on Discover's secure site
Intro APR
0% Intro APR for 6 months on purchases and 0% Intro APR for 18 months on balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
Ongoing APR
18.24% - 27.24% Variable APR
See Our Review
Apply Now
on Citibank's secure site
Rewards Rate
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
Intro Balance Transfer APR
0% intro APR for 18 months on Balance Transfers
Regular Purchase & BT APR
18.24% - 28.24% (Variable)
See Our Review