Credit Cards
FIT™ Platinum Mastercard® credit card review: easy to get, efficient to build credit
Are you trying to rebuild your credit history, but no credit card issuers are willing to give you this chance. Don't worry. FIT™ Platinum Mastercard® will help you with a $400 credit limit.
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FIT™ Platinum Mastercard® credit card: stop worrying about your credit score
Have you heard about the FIT™ Platinum Mastercard® credit card? It will give you a credit line to work on your credit score and build up a good one. And a good credit score can give you many benefits when it comes to getting the best offer on your loan, mortgages, buying a car, and much more.
Everybody that has or had a damaged credit score knows that it is not a comfortable situation. You’ll miss many opportunities because of your poor score. But don’t worry. FIT™ Platinum Mastercard® will help you to put your finances back on track.
Just make responsible use of it to rewrite your credit history. We’ll tell you more about this generous card in the following.
- Credit Score: Apply with poor, fair, or any credit score.
- Annual Fee: See terms.
- Monthly Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
- Processing Fee: $95 (one-time fee).
- Regular APR: 35.90% fixed APR.
- Welcome bonus: This card is currently not offering any kind of bonus when you sign-up for it.
- Rewards: No cash back or any other kind of reward on this card.
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FIT™ Platinum Mastercard® credit card: how does it work?
Issued by Continental Finance, the FIT™ Platinum Mastercard® was designed for people with poor credit that needs a credit card. Everybody can apply, and they’re very likely to be accepted to the $400 credit limit.
However, this card falls short in the costs and the lack of benefits. You pay the following fees to use it:
- $95 one-time administrative fee to open your account.
- $12.50 monthly fee, starting in the second year.
This means hundreds of dollars in fees to get no rewards, no welcome bonus, and no perks. The APR will also make it very expensive to carry a balance.
FIT™ Platinum Mastercard® credit card: should you get one?
If you’re desperately looking for a credit card and couldn’t get a better one and you’re not willing to get a secured credit card, you can apply for a FIT™ Platinum Mastercard®.
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Pros
- $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
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- 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)
Cons
- There is an abundance of… fees. You’ll pay fees before you even get the card, and then you’ll continue to pay annual and monthly fees.
- The minimum 400 credit limit is a good thing, but the interest you’ll pay on this card’s balance is no good at all. High-interest rates will make you pay a lot of extra money on this card.
- No rewards, no benefits other than the credit line itself.
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Credit scores required
The major advantage of this card is that it doesn’t require that you have a strong credit score. FIT™ Platinum Mastercard® can accept you with any credit score, or even if you have no credit score at all.
FIT™ Platinum Mastercard® credit card application: how to do it?
The application process is so simple you will take no more than a couple of minutes to do it. Everything is straightforward about this card, and you can apply online just by filling out the application form.
We will tell you more details about this application process. Check it out!
Apply online
It is one of the easiest application processes for a credit card you will ever see. You will do it online through the FIT™ Platinum Mastercard® card website, and the application form is right on the front page, first thing.
The application form requires information like this:
- Full name
- Complete address
- Checking account
- Be a U.S resident at least 18 years old
- Agree to receive physical and digital marketing content
And that is all for the application form. When you get approved, you’ll have to pay the $89 processing fee and you’ll soon receive your FIT™ Platinum Mastercard® card.
FIT™ Platinum Mastercard® vs. Capital One Guaranteed Mastercard®
Have you wondered how a credit card for credit building in Canada works? It is very similar. The Capital One Guaranteed Mastercard has a lower annual fee, and ofer some travel benefits too.
But the FIT™ Platinum Mastercard® is easier to get. If you’d like to apply for FIT® Platinum Mastercard®, you can also see how to apply for a Capital One Guaranteed Mastercard for comparison.
FIT™ Platinum Mastercard®
- Credit Score: Apply with poor, fair, or any credit score.
- Annual Fee: See terms.
- Monthly Fee: $0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
- Processing Fee: $95 (one-time fee).
- Regular APR: 35.90% fixed APR.
- Welcome bonus: This card is currently not offering any kind of bonus when you sign-up for it.
- Rewards: No cash back or any other kind of reward on this card.
Capital One Guaranteed Mastercard
- Credit Score: Don’t worry, apply with the score you have.
- Annual Fee: $59 – $79
- Regular APR: This card’s APR goes from 19.8% to 21.9%
- Welcome bonus: You get no bonus when you get this card.
- Rewards: No rewards program when you use it.
Apply for the Capital One Guaranteed Mastercard®
Apply for the Capital One Guaranteed Mastercard. It will not require your credit score, so don't worry about it. Keep reading to understand how to apply.
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