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FIT™ Platinum Mastercard®
FIT™ Platinum Mastercard® Review
The FIT™ Platinum Mastercard® is solid option if you have bad or limited credit, since it offers a decent initial credit limit without requiring a security deposit. Plus, it reports to the three major credit bureaus. Because of the fees this card charges though, a secured credit card may be a less expensive option for some.
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
- Click APPLY NOW to apply online.
- $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)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
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 Apr 13, 2026
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, like online account management and credit protection.
The Not So Good
- We don't love the fees this card charges and the fairly high purchase APR of 35.90% Fixed. But that’s fairly common for a card that's geared toward folks with less than perfect credit.
The Bottom Line
The FIT™ Platinum Mastercard® is solid option if you have bad or limited credit, since it offers a decent initial credit limit without requiring a security deposit. Plus, it reports to the three major credit bureaus. Because of the fees this card charges though, a secured credit card may be a less expensive option for some.
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.
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Intro Balance Transfer APR
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Regular Purchase & BT APR
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Ongoing APR
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Welcome Offer
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.