Learn how to qualify for the FIT Mastercard, apply without confusion, and leverage its features to rebuild your credit score—even if you’ve had credit problems in the past.
The FIT Mastercard isn’t for everyone—but it is for many people who feel left out of the traditional credit system. If you’ve had a bankruptcy, charge-offs, or simply never built credit before, this unsecured card gives you a path back to financial health.
To be eligible for the FIT Mastercard in 2025, you must:
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Be at least 18 years old with a valid Social Security Number
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Have a verifiable U.S. mailing address
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Possess a checking account in good standing
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Not currently in active bankruptcy
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Pass a soft credit evaluation for recent delinquencies
Although the FIT card does perform a credit check, it’s far more lenient than mainstream banks. Applicants with scores in the low 500s are often approved, especially if there are no active collections or open bankruptcies.
💡 Tip: Before applying, pay down any recent overdrafts and update your income details to reflect your current employment situation. Even freelance or gig income can help.
FIT MASTERCARD
ADJUSTABLE LIMIT
ACCESSIBLE APPROVAL
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Step-by-Step Guide: How to Apply for the FIT Mastercard
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Visit the Official FIT Mastercard Website
Go to fitcardinfo.com to begin your application. Avoid third-party links to ensure you get the most accurate fee disclosures. -
Click “Apply Now”
This takes you directly to the secure form. Enter your personal information, including your full name, date of birth, and SSN. -
Provide Your Financial Info
Disclose your monthly income and housing payments. This helps determine your approval and initial credit line. -
Review Terms & Fees Carefully
The FIT Mastercard includes a one-time setup fee, an annual fee, and a monthly servicing fee (after the first year). Make sure you understand these before continuing. -
Submit Your Application
Decisions are often instant. If approved, you’ll receive your card by mail within 7–10 business days. -
Activate Your Card Online
Follow the instructions included with your card or visit the website to activate your account. -
Download the Mobile App
Use the Continental Finance app to manage your card, set up auto-pay, and check your credit score monthly.
How to Maximize the FIT Mastercard for Credit Building
Using the FIT Mastercard effectively is more than just making purchases—it’s about building a reliable credit profile. Here are key strategies:
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Keep your balance below 30% of your limit. For a $400 limit, stay under $120.
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Pay early rather than waiting for the due date. This can improve your utilization ratio before the statement cuts.
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Set up auto-pay to avoid late payments, which can derail your
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Ask for a credit limit increase after six months of on-time payments—this doubles your available credit to $800.
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Use the free credit score monitoring to track your progress and spot potential issues.
Many users report FICO score improvements of 50 to 100 points within the first year using these methods.
FIT Mastercard FAQs
Q: Does FIT Mastercard require a credit score to apply?
A: No minimum credit score is required, but a soft credit review will be conducted. Most users with scores above 500 are approved.
Q: How much are the fees for this card?
A: There is a one-time setup fee (~$89), an annual fee ($99), and a monthly maintenance fee ($6.25/month after the first year).
Q: Is this a secured card?
A: No. FIT Mastercard is an unsecured card, meaning you do not have to provide a security deposit.
Q: How soon can I get a credit limit increase?
A: After six consecutive on-time monthly payments, your limit may automatically increase from $400 to $800.
Q: Can I use this card internationally?
A: Yes, but be aware that foreign transaction fees may apply.
Q: What if I have a bankruptcy on file?
A: You may still qualify as long as the bankruptcy is discharged and no longer active.
Q: Does this card offer rewards?
A: No. This card is focused strictly on credit building, not points or cashback.
Q: Will this card help me qualify for better cards in the future?
A: Absolutely. Many FIT users eventually graduate to unsecured cards from major issuers after 12–18 months of responsible use.
Q: What happens if I miss a payment?
A: You may be charged a late fee, and it could impact your credit score. Setting up auto-pay can help avoid this.
Q: Can I cancel the card at any time?
A: Yes, but keep in mind that closing an account can affect your average credit age, which impacts your score.
Final Verdict: Is the FIT Mastercard a Good Move in 2025?
For many Americans, credit repair feels out of reach. Banks decline applications without explanation, and secured cards require hundreds upfront. That’s where the FIT Mastercard fills a critical gap. It’s one of the few unsecured credit cards still available to people with bad or no credit, offering a real opportunity to prove financial responsibility.
But it’s not free money. The card has several fees, and careless usage can stall your progress. That’s why it’s best suited for people who are ready to commit—those who want to use a card strategically, not emotionally.
If you’re disciplined, the FIT Mastercard can be your first real step toward better credit scores, lower loan rates, and financial freedom. Use it as a tool, not a temptation. Keep balances low, payments consistent, and your account active.
In a year or less, you may qualify for better cards, higher limits, and rewards programs—but it all starts with a single decision: to rebuild now.
FIT MASTERCARD
ADJUSTABLE LIMIT
ACCESSIBLE APPROVAL
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