Rebuild Your Credit Fast—Even with Past Challenges. The FIT Mastercard is designed for people who want a second chance at credit.
FIT MASTERCARD
ADJUSTABLE LIMIT
ACCESSIBLE APPROVAL
You will remain on the current site
Whether you’ve faced bankruptcy, missed payments, or simply have no credit at all, this unsecured credit card is built to help you rebuild your credit profile with monthly reporting and manageable limits. No need for a security deposit—unlike secured cards, the FIT Mastercard lets you access real credit while showing lenders you’re serious about improving your financial standing.
The card is issued by Continental Finance, a lender that specializes in credit rebuilding products. With online access, credit bureau reporting, and fraud protection, this card goes beyond basic functionality. It’s a starter tool with serious potential—especially when managed carefully.
Top Benefits of the FIT Mastercard
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Unsecured credit access: No deposit required to open the account
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Reports to all 3 major credit bureaus: Experian, Equifax, and TransUnion
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Initial credit limit of $400: Doubles to $800 with on-time payments
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Free monthly credit score: Track your progress directly
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Fraud coverage: $0 liability on unauthorized charges
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Mobile account management: Pay bills and track spending on the go
Feature Comparison Table
| Feature | FIT Mastercard | Secured Credit Card |
|---|---|---|
| Credit Check Required | ✅ Yes | ✅ Yes |
| Security Deposit | ❌ None | ✅ Yes ($200–$500) |
| Reports to Bureaus | ✅ All 3 | ✅ Sometimes |
| Initial Limit | $400 ($800 with review) | Based on deposit |
| Monthly Fees | ⚠️ Yes | ✅ Usually No |
Is the FIT Mastercard Really Worth It?
If you’re struggling to qualify for traditional credit cards due to low or limited credit history, the FIT Mastercard gives you a chance to start over—without having to tie up money in a deposit. Its unsecured nature means you have access to credit immediately, and the automatic limit increase after 6 months of responsible use is a real motivator.
However, it’s important to acknowledge that this card comes with fees: an annual fee, a setup fee, and a monthly maintenance fee after the first year. That said, if used carefully—keeping utilization low and paying off balances monthly—the long-term benefits in terms of credit score improvement can outweigh the costs. It’s a stepping stone, not a destination.
For those who are ready to take credit seriously and commit to better habits, the FIT Mastercard is a straightforward, no-frills tool to rebuild trust with lenders.
Want to learn how to get approved faster and boost your credit the smart way?