Learn how to apply for the Fit Mastercard Card

Cardholders may be eligible for a credit limit increase after six months. This card has low eligibility requirements.

I’m interested in the Fit Mastercard Card. What are the next steps?

With the FIT Mastercard Card, cardholders can double their initial credit limit of $400 up to $800 in only six months. Simply make the first six monthly minimum payments on time. By doing so, you will not only increase your limit but rather improve your credit score.

And this is perhaps the main aspect of the FIT Mastercard Card – helping you rebuild or improve your credit score. To achieve this, make sure you make payments on time and keep your balance under your credit limit.


FIT Mastercard Card

Double Your Credit Limit Zero Liability Protection Poor credit accepted Credit Protection

Apply for your FIT Mastercard Card right now.

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In order to help you reach a new level of credit, Continental Finance Company provides a useful benefit: a 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.

When you log in to Continental Finance’s online account management system, you also will be able to view statements, make payments, check due dates, and more.

Continental Finance will report your payments to the three major credit bureaus – TransUnion, Experian, and Equifax. Keep in mind that making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

Who can apply?

As mentioned earlier, the FIT Mastercard Card is aimed primarily at those looking to rebuild credit or those who have no credit. Consumers with bad or no credit may qualify for this card.

The application process is quick and, in most cases, Continental Finance will provide an instant decision. Consumers with bad or no credit may qualify for this card.

How to apply?

You may apply for a FIT credit card online through this link. Or, if you prefer to do it by phone call, then just call 1-866-513-4598.

To apply for a credit card online, over the phone, or through the mail, some basic information will be required. To get a FIT credit card you will have to provide the following: full name as it would appear on government documents, social security number, date of birth, and physical address. A P.O. box will not work. That’s common information for anyone applying for a major credit card.

If you’re approved, your new FIT credit card and welcome materials containing important FIT card info will be mailed within (3) business days.

Is it worth applying for the Fit Mastercard Card?

If you have less than perfect credit, a Continental Finance Company brand card can help you reestablish your credit history!

So, if you need to rebuild or establish credit but don’t want to pay a security deposit, don’t plan to carry a balance on your card, and can budget for the card’s fees, then yes, the FIT Mastercard may suit you well.

Fit Mastercard Card vs Capital One Venture Rewards

The Capital One Venture Rewards is a card with a different proposition than FIT Mastercard. The focus of the latter is on people with less than good credit. On the other hand, the Capital One Venture Rewards card targets credit profiles from good to excellent (690-850 credit score).

This is what justifies its high annual fee of $95. Capital One Venture Rewards card’s APR is variable from 18.99% to 26.99%. Logically, a card with such a high annual fee comes with benefits to compensate, among them the absence of a transaction fee when you make purchases outside of the United States. And you will also have benefits for travelers, like travel insurance.

There is an initial offer for Capital One Venture Rewards cardholders. They can earn 75,000 bonus miles once they spend $4,000 on purchases within the first 3 months from account opening. And, on a regular basis, earn unlimited 2 miles per dollar on every purchase.

So basically, if you can afford the high annual fee, the Capital One Venture Rewards card will offer many more benefits than the FIT Mastercard. If you need to rebuild your credit, however, opt for the FIT Mastercard.

Fit Mastercard Card pros:

  • Cardholders may be eligible for a credit limit increase after six months.
  • Low eligibility requirements.
  • All credit types are welcome to apply.
  • Monthly reporting to the three major credit bureaus.

Capital One Venture Rewards pros:

  • High rewards rate.
  • Flexible rewards redemption.
  • No foreign transaction fees.
  • Additional travel benefits.
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