Credit Cards (US)

FIT® Platinum Mastercard® review: repair or build credit

If you want to build your credit score, but can't get approved for a traditional credit card, the FIT® Platinum Mastercard® may be the right option for you.


by Vinicius Barbosa

Published on 01/01/2023

FIT® Platinum Mastercard®: start your credit-building journey!

FIT® Platinum Mastercard®
Need a credit card to build your score? Check this review! Source: The News Stacker.

If you’re someone with bad credit and looking for a credit card to help you build credit, check out this FIT® Platinum Mastercard® review.

FIT® Platinum Mastercard®

See how to apply for the FIT® Platinum Mastercard®

Learn how to apply for the FIT® Platinum Mastercard® and regain control of your finances with this credit card can!

It’s an unsecured credit card, meaning you don’t need a security deposit to open an account! 

  • Credit Score: This card is perfect for people with bad to fair credit. 
  • Annual Fee: To own this card, you’ll have to pay an annual fee of $99
  • APRs: There is an ongoing APR of 29.99%
  • Other Fees: The cash advance fee is 5% of the advance, or at least $5. Monthly maintenance fee: After your first year with this card, you will owe $6.25 per month. You will owe a one-time $89 processing fee.

With this card, every month, all three major credit bureaus will get notified of your payment reports, allowing you to build a strong FICO score.

Plus, with no security deposit required, an initial credit limit of $400, and a potential increase in limit after six months, this card presents the perfect chance to improve your credit. 

You also have access to Mastercard Zero Fraud Liability Protection. If you opt for online statements, FIT will help you keep track by offering a free monthly FICO score review. 

However, it’s important that you know there are no rewards to be earned when using this card – plus steep fees accompany it.

If these aren’t factors that play a role in your decision, hopefully, this card can help boost your credit rating significantly!

FIT® Platinum Mastercard®: What can you expect?

FIT® Platinum Mastercard® is an excellent option if you’re looking to start building or rebuilding your credit score. 

With an initial credit limit of $400, FIT® Platinum Mastercard® also has other features worth considering: Zero Fraud Liability Protection allows you to spend with peace of mind.

Also,  the FIT® Platinum Mastercard® makes sure to report to all three major bureaus every month, so you can see your credit score inching up. 

There is a 29.99% APR for this card, an annual fee of $99, and a one-time processing fee is just $89. 

But be aware – FIT® also charges a late or returned payment fee of $40, foreign transaction fees at 3%, cash advance fees at 5%, and a monthly maintenance fee of $6.25 – so pay your bills on time! 

All in all, FIT® Platinum Mastercard® is an ideal choice for those looking for a great place to start on their credit-building journey. Keep reading our review for more.

Do the pros outweigh the cons?

FIT® Platinum Mastercard®
Get a real credit card to use daily and improve your credit score. Source: Canva.

This FIT® Platinum Mastercard® review is here to help you make the right decisions for your financial journey. Therefore, it’s important to weigh the pros and cons listed below:


  • Your credit card limit can double after the initial 6 months
  • You don’t need a stellar credit score to be approved
  • There’s no need for a initial deposit.


  • This card doesn’t offer a rewards program
  • The high-interest rate is very high

What are the eligibility requirements?

With the FIT® Platinum Mastercard®, you can take control of your credit journey.

Even if you have no or bad credit, this card will give you a chance to get back on track and reach new heights in financial stability!

The requirements for eligibility are simple – all that’s required is an effort to restore balance.

Learn how to request the FIT® Platinum Mastercard®

Unlock the door to a brighter financial future with FIT® Platinum Mastercard®, even if you have bad or no credit! 

Getting approved is as simple as filling out an application, so why wait? Check the link below for applying, starting your journey today, and getting closer to achieving credit success.

FIT® Platinum Mastercard®

See how to apply for the FIT® Platinum Mastercard®

Learn how to apply for the FIT® Platinum Mastercard® and regain control of your finances with this credit card can!

About the author

Vinicius Barbosa

Vinicius Barbosa is a writer of finance-related content on this portal. Graduated in Social Communication, he writes about everything that involves the world of finances, from credit card recommendations to investment tips, for readers who want to make better decisions when it comes time to spend their money or invest wisely.

Trending Topics


See how to apply for a DirectAxis Loan

Learn how to apply for a DirectAxis Loan and get the cash you need to cover your expenses. Their online process makes it easy!

Keep Reading

Where should you invest your retirement fund savings?

Not sure where to invest your retirement fund savings? We’ll provide helpful advice and tips on how to make the most of those investments.

Keep Reading

See how to apply for the Discover It® Student Chrome

Wondering how to get started with your new student credit card? Here's a guide on how to apply for the Discover It® Student Chrome.

Keep Reading

You may also like


Affordable Valentine’s Day gifts to impress your loved one

Are you looking for a way to show your love that won't break the bank? Check out our guide to affordable Valentine's Day gifts!

Keep Reading

Quicksilver Rewards for Students Credit Card review

Are you looking for a student credit card with great rewards? Check out our Quicksilver Rewards for Students Credit Card review.

Keep Reading

New student loan payment pause until 2023

President Joe Biden announced another student loan payment extension, this time until mid 2023. Read on to learn what this means to you.

Keep Reading