Fit Mastercard full review

The FIT Mastercard can be used as an effective tool to build credit as it accepts people with less-than-perfect credit.

Read on to learn more about the Fit Mastercard

Founded in 2005, Continental Finance Company (“CFC”) is one of America’s leading marketers and servicers of credit cards for consumers with less-than-perfect credit.

Continental Finance Company has more than 2.6 million credit cards managed since its founding, According to the company itself, it specializes in providing credit cards that help customers build or establish credit with dignity and respect.

Continental Finance Company’s main focus is on people who need to rebuild credit or simply have no credit currently. The company’s goal is to help you restore your credit history and enjoy a sounder financial life. Continental Finance is rated A+ by the Better Business Bureau.

One of the positive aspects of the FIT Mastercard is that it is relatively easy to become a holder.  Even if you have poor credit, you may still have relatively good approval odds.

Here we will detail the features of the FIT Mastercard for you. So read on to find out if the FIT Mastercard is a good credit card option for you.

How Fit Mastercard will work

Once you are approved and receive your FIT Mastercard credit card, you will be able to use your FIT card at locations everywhere Mastercard is accepted. Shopping, dining, and even travel are all in your future with your new FIT credit card.

FIT Mastercard’s initial credit limit of $400. However, you can double your limit – that is, raise it to $800 – in just six months, provided you pay the first six months on time.

FIT Mastercard’s annual percentage rate (APR) is 29.99%, APR is the yearly interest rate you’ll pay if you carry a balance on your credit card, and 29% is not cheap. So it is not advisable to carry a balance with this card.

You should also avoid using your FIT Mastercard when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.

With your FIT Mastercard, you will be able to enroll in online banking services to do all of the following actions with your FIT card:

  • Make a FIT credit card payment.
  • Enroll to receive online statements for your FIT card.
  • View recent transactions.
  • View previous statements.
  • View payment history.
  • View your balance and other important FIT credit info.

FIT Mastercard benefits

Credit Protection

With Mastercard Zero Liability Protection you will not be held responsible for unauthorized charges on your Fit credit card. With zero fraud liability, you are only responsible for purchases that you make, so you can shop with confidence and know that your card activity is fully protected. Whether you’re shopping in a store, traveling abroad, or making online purchases you can rely on Continental Finance to protect your Fit credit card account.

Monthly Reporting to All Three Major Credit Bureaus

The FIT credit card can be used as an effective tool to build credit. Continental Finance accepts people who apply for a FIT credit card with less-than-perfect credit. Continental Finance will report your payments to the three major credit bureaus – TransUnion, Experian, and Equifax.

Free Monthly Credit Score

When you activate a FIT Mastercard, you have to create an account. One of the top features of that account is you get a free monthly credit score when you enroll in e-statements. Every month you can check your score. If you are building credit for the first time or repairing credit, you can see the impact actions like making your monthly payments on time have on your credit score each month.


You can use Continental Finance’s knowledge base of articles for guidance on various credit topics such as credit utilization and how to build credit. Take advantage of this support to develop your financial knowledge.

Are there any negative aspects of the FIT Mastercard?

Yes. The APR of the FIT Mastercard is relatively high – 29,99% – and cannot be disregarded in your decision-making. One can also mention the fee for international transactions, which is 3%.

Want to know how to apply for the Fit Mastercard?

If your credit is not currently good, don’t worry. All credit types are welcome to apply for the FIT Mastercard. The credit score range required for this card is 300 – 640.

So, if the terms and benefits of the FIT Mastercard sounded interesting to you and you want to give the buying power of the FIT Mastercard a try, then tap on the green button to learn how to apply to your FIT Mastercard.

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