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Fit Mastercard® Credit Card

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Open to all credit types and available to just about anyone, this unsecured card reports to the three major credit bureaus to help you build credit and get back on track. It comes with a rather low initial credit limit of $400, along with a slew of fees you won’t see on cards from more popular issuers.

Our rating
Min. credit level: Bad
Annual Fee: See Terms*
Regular APR: See Terms*

Fit Mastercard® Credit Card

Our rating
Bad Min. credit level
See Terms* Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card


Penalty APR See Terms*
Late Fee See Terms*
Returned Payment Fee See Terms*
Additional Cards Annual Fee N/A
Foreign Transaction Fee See Terms*
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms*
Cash Advance Fee See Terms*
How to Get a Cash Advance with a Credit Card
Fit Mastercard® Credit Card


  • All credit types welcome to apply!
  • Initial Credit Limit of $400.00!* (subject to available credit)
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Free online account access 24/7
  • Checking Account Required

Bank of Missouri

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service


The Fit Mastercard is designed to help rebuild your credit, and while it does report monthly to the three major credit bureaus, you should beware the fees and higher-than-average APRs that are commonly attached to cards marketed towards consumers with bad credit.

Some atypical fees that you may come across include a program fee after approval, a processing fee, maintenance fee, and/or a monthly fee. These fees may range from a lot to a little, and they’re not always easy to keep track of.

You’ll receive an instant decision once you apply, so you’re not left waiting weeks for a letter in the mail. If you’re approved you’ll have have an initial credit limit of $400, but any fees you’re charged will reduce your available credit until you pay them off.

You’ll need a checking account in order to apply for the card.

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