The Fit credit card, while offering convenience, is primarily designed to serve as a tool for credit-building or rebuilding

FIT Platinum Mastercard®. Cashback and good benefits for you.


For individuals aiming to establish or repair their credit, the Fit credit card emerges as an attractive and convenient choice. Administered by The Bank of Missouri and managed by Continental Finance, this card distinguishes itself by not mandating a security deposit. Being a Mastercard, it grants users the flexibility to make purchases at nearly any location that accepts credit cards.


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The absence of a mandatory security deposit is a notable feature of the Fit credit card, setting it apart as a viable option for those looking for a straightforward and accessible credit-building tool. This aspect can be particularly advantageous for individuals who may not have the means to provide a security deposit but still aspire to enhance their credit profile.

Typical starting limit os R$1,000!
0% APR
Platinum benefits
Flexible application requirements

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The Pros:

  1. No Security Deposit: One of the notable advantages of the Fit credit card is that it does not require a security deposit. This can be particularly beneficial for individuals who may not have the financial means to provide a deposit upfront but still wish to access a credit-building tool.
  2. Mastercard Affiliation: As a Mastercard, the Fit credit card offers widespread acceptance. Cardholders can use it for transactions at a multitude of locations, including both physical stores and online merchants. The Mastercard network’s extensive coverage enhances the card’s convenience and utility.
  3. Credit-Building Opportunity: The Fit credit card is designed with a focus on credit-building or rebuilding. For individuals with limited or damaged credit histories, responsible use of this card, including timely payments, can contribute to improving their creditworthiness over time.
  4. Flexibility for Everyday Purchases: The Mastercard affiliation not only provides broader acceptance but also allows users to make a variety of everyday purchases, from groceries to online shopping. This flexibility can be advantageous for individuals seeking a practical and versatile credit tool.
  5. Accessibility: The Fit credit card may be more accessible to individuals with varying credit profiles, making it an option for those who might face challenges qualifying for other credit cards with more stringent requirements.
  6. Quick Application Process: Credit cards focused on credit-building often streamline the application process. The Fit credit card may offer a relatively quick and straightforward application, allowing users to obtain a credit line more efficiently.
  7. Potential Credit Limit Increase: With responsible credit management, cardholders may have the opportunity to see an increase in their credit limit over time. This can provide added financial flexibility and contribute to a positive credit history.

Credit Card

FIT Mastercard®'s

Credit Rebuild No deposit

Applying for the FIT Mastercard®’s credit card is really simple and fast.

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The Cons:

The Fit credit card comes with several drawbacks that potential cardholders should carefully consider:

  1. Fee Structure: The Fit credit card is associated with a fee structure that some users may find burdensome. In addition to a standard annual fee, cardholders are required to pay a one-time processing fee of $89, which must be settled using an alternative payment method before card activation. There’s also a $99 annual fee, immediately charged upon activating the card, impacting the initial spending capacity. The card incurs a $75 maintenance fee, waived for the first 12 months but billed monthly thereafter at $6.25, adding to the overall cost. These fees accumulate to $188 for the first year and $174 for subsequent years, excluding potential extra charges like a $30 fee for an additional card or a $41 fee for late or returned payments.
  2. Low Initial Credit Limit: The Fit credit card provides a relatively low initial credit limit of $400 for all qualifying borrowers. However, the $99 annual fee is deducted upfront, leaving an initial spending power of only $301. While there is a potential credit limit increase to $800 after six months of on-time minimum payments, the overall numbers may be disappointingly low for many users, impacting their credit utilization and access to funds.
  3. High Annual Percentage Rate (APR): For users unable to pay their Fit credit card balance in full each month, the card carries a high annual percentage rate (APR) of 29.99%. While this rate is not uncommon for credit cards designed for individuals with less-than-perfect credit, it is notably higher than the average. This elevated APR can lead to substantial interest charges, particularly when factoring in interest on various fees. Making only minimum monthly payments further compounds the issue, affecting the already limited credit limit.

Potential cardholders are advised to carefully review and understand the terms and fees associated with the Fit credit card, considering their financial situation and credit-building goals before applying. Responsible credit management practices are crucial to mitigating the impact of fees and interest charges while working towards improving creditworthiness over time.

The initial credit limit for the FIT Mastercard® is determined based on your individual creditworthiness and financial profile. While the typical starting limit is R$1,000, it can be higher or lower depending on your individual circumstances.

If you have any issues or concerns regarding your FIT Mastercard®, the dedicated customer service team is readily available to assist you. Contact the team, and they will promptly address your inquiries and ensure a seamless experience.

The FIT Mastercard® stands out from other credit cards by catering to individuals with less-than-perfect credit. It provides an opportunity to build or rebuild your credit history responsibly, paving the way for improved financial standing.

Embarking on your journey with the FIT Mastercard® is simple. Visit the official website and complete the online application form. Alternatively, read our comprehensive review for a more in-depth understanding of the card’s features and benefits.

The FIT Mastercard® offers a range of valuable benefits that extend beyond traditional credit card offerings. Enjoy complimentary access to your credit score, consistent reporting to three major credit bureaus, and convenient online account management tools.

If you lose your FIT Mastercard®, prompt action is crucial. Immediately contact FIT Mastercard® customer service to report the loss and prevent unauthorized use. The team will promptly assist you in safeguarding your account and issuing a replacement card.

Yes, the FIT Mastercard® comes with Zero Liability Protection. If your card is ever lost or stolen, you won’t be held responsible for unauthorized charges made with your card.


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Citi® Diamond Preferred®

Citi® Diamond Card

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