FIT Platinum Mastercard Review: Should You Get It?

The FIT Platinum Mastercard is an ideal option for those who need to build or rebuild their credit, even if they have a poor credit history. Here’s an overview of the FIT Platinum Mastercard and its advantages:

  • Credit Score: Bad to fair (300 to 670)
  • Annual Fee: $99
  • Regular APR: 29.99%
  • Welcome Bonus: None
  • Rewards: None

FIT Platinum Mastercard Overview

FIT Platinum Mastercard

The FIT Platinum Mastercard is specifically designed for individuals with little or no credit history. It comes with features that can help improve your credit score and credit history quickly. Initially, this card offers a credit limit of up to $400.

Your credit usage with this card is reported to the three major credit bureaus in the United States on a monthly basis. This means that by using the card responsibly, you’re likely to see positive changes in your credit profile relatively quickly.

As a cardholder, you’ll also have access to free monthly credit score consultations to help you track your progress. After six months of responsible credit use, you have the potential to double your credit limit, up to a maximum of $800. You can continue to make credit limit adjustments every six months, with a maximum limit of $3,000.

The FIT Platinum Mastercard also includes a protection system to safeguard customers in case of fraud.

FIT Platinum Mastercard Features


  • Minimum requirements for application, making it accessible for those with less-than-perfect credit.
  • The potential to increase your credit limit every six months.
  • Fraud protection for added security.


  • An $89 application fee is required.
  • High APR and annual fee.
  • No rewards program or welcome bonus.

Credit Score Requirements

The FIT Platinum Mastercard is tailored for individuals with poor to fair credit. You can apply for this card with a credit score ranging from 300 to 670.

Application Process

Applying for the FIT Platinum Mastercard is straightforward and can be done online from the comfort of your home. It’s an opportunity to start improving your credit score and history.

Keep in mind the associated fees and high APR when considering this card, and carefully evaluate whether it aligns with your financial goals and credit-building needs.

FIT® Platinum Mastercard®: check out how to apply!

Build (or rebuild) your credit with an initial limit of up to $400 on your card. Learn how to apply for the FIT® Platinum Mastercard®.

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