Designed for cardholders looking to rebuild or establish credit, the FIT Mastercard Credit Card sends monthly payment reports to all three major credit bureaus. There is an initial $400 credit limit and cardholders may be eligible for a credit limit increase after six months. Cardholders have access to Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines) and customers who opt for online statements can view their score for free each month. But you’ll pay hefty fees to access credit with this card – and you won’t earn rewards.

FIT Mastercard Credit Card review: This card can help you improve or build your credit, but it comes with steep fees and a high annual percentage rate.


  • Potential credit limit increase in six months: The FIT Mastercard Credit Card opens with a $400 credit limit, although some of the setup and maintenance fees will reduce your available credit. Cardholders may be eligible for a credit limit increase after six months, and the maximum limit is $2,000.
  • Low eligibility requirements: Consumers with bad or no credit may qualify for this card.
  • Fraud liability coverage: You will not be required to pay for unauthorized transactions with the FIT Mastercard Credit Card.


  • Card fees: FIT Mastercard Credit Card holders are subject to various fees, which include an $89 one-time processing fee, a $99 annual fee, a $6.25 monthly maintenance fee (waived for the first year) and a 3% foreign transaction fee. These fees can increase your balance and reduce your credit limit, and they may be comparable to the refundable deposit you’d pay to get a secured credit card.
  • Very high interest rate: This card’s 29.99% variable APR on purchases is higher than the APR on many competing credit cards, and it doesn’t offer a 0% introductory APR promotion.
  • No rewards program: The FIT Mastercard Credit Card doesn’t offer a sign-up bonus or rewards on purchases.

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