Fit Mastercard – How to Apply

By Raquel Oliveira • 03/07/2025

Fit Mastercard credit card: Easy to apply for and no annual fee.

The Fit Mastercard is designed for individuals looking to build or rebuild their credit. With no annual fee and a simple, easy-to-use structure, it’s a great option for people who want to establish a solid credit history. 

Whether you’re new to credit or recovering from past financial challenges, this card provides an opportunity to take control of your finances and improve your credit score.

The Fit Mastercard reports to all three major credit bureaus, which is essential for establishing or rebuilding credit.

It doesn’t offer rewards or cash back, but it’s a straightforward way to demonstrate responsible credit use and improve your credit score over time.

How does Fit Mastercard work?

The Fit Mastercard works by offering a line of credit that is backed by a security deposit. The deposit is typically equal to your credit limit and serves as collateral in case you don’t pay your balance. 

Once approved, you can use the card for purchases just like any other credit card, and the issuer will report your payment activity to the three major credit bureaus: Experian, Equifax, and TransUnion.

Each month, if you make timely payments and keep your balance low, your credit score will improve over time. The Fit Mastercard helps establish or rebuild your credit history by providing an opportunity for responsible card use.

It’s important to note that while the Fit Mastercard doesn’t offer rewards or cash back, its main benefit lies in helping you build credit.

Main benefits for the Fit Mastercard

The main benefit of the Fit Mastercard is its ability to help you build or rebuild your credit.

• Easy Approval Process: This card is designed for people with bad or limited credit. If you have struggled with approvals for other credit cards, this card provides an accessible alternative.
• Credit Reporting to Major Bureaus: Payments are reported to Experian, Equifax, and TransUnion. With consistent, responsible use, this can gradually increase your credit score and make you eligible for better financial products in the future.
• Credit Limit Increases: After demonstrating responsible credit usage over time, you may qualify for a credit limit increase. A higher limit can improve your credit utilization ratio, which plays a key role in your credit score.
• Online Account Access: Cardholders can easily manage their spending, track transactions, and make payments through an online platform. This digital tool simplifies financial management and ensures users stay on top of their obligations.

Cons for the Fit Mastercard

While the Fit Mastercard offers valuable benefits for building or rebuilding credit, there are a few downsides to consider.

The most notable drawback is the high APR, which can be costly if you carry a balance from month to month. It’s important to pay off your balance in full each month to avoid accruing interest charges.

Another disadvantage is the lack of rewards or cash back. Unlike other credit cards, the Fit Mastercard doesn’t offer any perks for spending, making it less appealing if you’re looking for a rewards-based card.

Additionally, the card may come with a low initial credit limit, which can be limiting if you need a higher credit line. It also charges foreign transaction fees, which can make it less ideal for international travel.

APR and Fees

The Fit Mastercard has a high APR, typically around 23.99% variable, which is standard for many credit cards designed for individuals with limited or poor credit. 

This means that if you carry a balance, you could be paying a significant amount of interest. Therefore, it’s important to pay off your balance in full each month to avoid interest charges.

The card does not charge an annual fee, which makes it an affordable option for building or rebuilding credit. However, it does charge a foreign transaction fee of 3%, which could add up if you use the card abroad.

How to Apply for the Fit Mastercard

Applying for the Fit Mastercard is a straightforward process. The first step is visiting the official website, where you can check your eligibility and submit an application online.

During the application, you will need to provide personal information, including your full name, date of birth, Social Security number, and income details. This information helps the issuer determine your approval status.

The application process does not require a perfect credit score, making it accessible to individuals with limited or damaged credit history. However, approval is not guaranteed, and financial factors will be assessed.

Once approved, you will receive your card by mail within a few business days. Upon receiving it, activation is required before making purchases. Activation can be done online or through customer service.

Is the Fit Mastercard Right for You?

The Fit Mastercard is best suited for individuals looking to rebuild credit through responsible spending and timely payments. It offers an opportunity to improve credit scores but comes with high fees and interest rates.

If you can manage payments responsibly and avoid carrying a balance, this card can serve as a stepping stone to better financial options. However, if you’re looking for rewards or low-cost credit, other cards may be a better fit.

Before applying, consider your financial situation and whether the card aligns with your credit-building goals. Always compare different options to find the best credit card for your needs.

Conclusion

The Fit Mastercard is a good option for individuals who need to establish or rebuild their credit. With no annual fee for the first year, payment reporting to major credit bureaus, and useful security features, it offers a simple and effective way to improve financial standing.

However, the low starting credit limit and high interest rates mean that it is best suited for those who can pay their balance in full each month.

If used responsibly, this card can help you build credit and work toward qualifying for better financial products in the future.

If you need a straightforward, easy-to-approve credit card for credit-building purposes, the Fit Mastercard is a reliable choice.