Review of the Fit Mastercard Credit Card

The Fit Mastercard is a credit card designed to help people with bad or fair credit improve their credit. However, it falls short in comparison to other cards due to one major flaw: fees.

I despise paying fees.

I try to avoid fees as much as possible, whether it’s bank fees, investing fees, or credit card fees. You should follow suit.

While the Fit Credit Card can help you improve your credit score, its fee structure makes it a poor choice.

Continue reading our Fit Mastercard Review to learn more about the card’s benefits and drawbacks, as well as your other credit-building options.

Review of the Fit Mastercard

Continental Finance, the same company that offers the Reflex Card and Verve Card, offers the Fit Credit Card.

The Fit credit card, as you’ll see below, has more fees than you can count on one hand.

The annual fee, one-time processing fee, and monthly maintenance fee are the three most significant.

While annual fees are common on credit cards for people with fair or bad credit, they should be the only fee. The fact that there is a processing fee as well as a monthly maintenance fee makes this card unappealing.

Fit Mastercard Specifications:

Important information:

  • The regular APR was 29.9% at the time of writing this review.
  • Credit limit at first: $400
  • Credit Reporting: All three major credit bureaus receive monthly reports.
  • Liability for Fraud: $0
  • No security deposit is required (an unsecured credit card)


  • Fee: $99 per year
  • $89 one-time processing fee
  • Maintenance fee: $75 per month (billed at $6.25 per month beginning in your second year)
  • Fee for international transactions: 3%
  • Fee for late payment: $40
  • Fee for an additional card: $30
  • $5.00 or 5% of the cash advance amount, whichever is greater, is the cash advance fee.

Bonuses and Rewards for Signing Up:

This feature is not included in the cardholder agreement, which is common for a beginner or secured credit card.


  • How to Apply for a Credit Card: You can apply for a credit card online.
  • Customer Service: Call 1-866-449-4514 to reach a Continental Finance Company customer service representative.
  • A mobile app is available to help you manage your online account.
  • Required checking account: To apply, it appears that you’ll need a checking account.


Pros and Cons of the Fit Credit Card

With the Fit Mastercard credit card, the disadvantages outnumber the advantages.

The card’s main benefit is that it can help you improve your credit score if you use it responsibly, but it comes at an exorbitant price.


Pros of Fit Card

Pro 1: Possibility of establishing credit

If used responsibly, a Fit Mastercard can help you improve your credit score.

For starters, you don’t need a high credit score to be approved. So, unlike most premium rewards or cash back credit cards, you have a chance of getting approved for this card if your credit score is poor or fair.

Second, the Fit card sends information to each of the three credit bureaus. It will help build your credit history if you use it responsibly and pay in full each month.

However, there are other, possibly better, options available to assist you in improving your credit score.

Pro 2: A Credit Limit That Is Reasonable

The $400 credit limit isn’t great, but it’s also not terrible.

I kept this as a pro because it has a sufficient credit limit for you to charge a few things to the card and pay it off every month. You only need to include purchases that you can afford to pay off if your goal is to increase your credit score.

Plus, if you need more credit after six months, you should be able to apply for a credit limit increase.

Pro 3: There is no need for a security deposit.

The Fit Mastercard does not require a security deposit because it is not a secured credit card. Keep in mind, however, that there is still an upfront fee of $89 to pay.


Cons of Fit Card

Fees are the first disadvantage.

The Fit Card comes with a slew of fees, the most notable of which are:

Fee: $99 per year

$89 one-time processing fee

Maintenance fee: $75 per month (billed at $6.25 per month beginning in your second year)

These fees are not to be taken lightly, and they are the credit card’s biggest flaw.


You can expect to pay a minimum of $362 in fees over the first two years of using the card!

Cons #2: There are no incentives.

Furthermore, you are paying all of these fees without having the opportunity to earn rewards or cash back.

Sure, you can improve your credit score, but that’s about it for the benefits this card provides in exchange for its high fees.

Con 3: Excessive APR

The Fit card, in keeping with the high-cost theme, has a high annual percentage rate, or APR.

The annual percentage rate (APR) is the rate at which the card charges you interest on any unpaid balance.

You will help your credit score by paying your credit card on time and completely each month. However, unexpected expenses and errors do occur, and the APR on this card is extremely high if you are forced to pay it.

Is the Fit Mastercard a Good Investment?
The Fit Mastercard, in my opinion, is not worth it.

While it can help you improve your credit score, there are plenty of other credit cards that can do the same thing for much less money.

But don’t just take my word for it.

Below are some Trustpilot reviews to give you more information about this credit card and to help you decide if it’s right for you.

Fit Mastercard Reviews

I didn’t find all of the Fit Credit Card reviews to be negative. Many of them were, in fact, positive.

As you can see in the table below, the majority of them praised their positive customer service experience:


Positive 1 Fit Mastercard Review

Positive 2 Fit Mastercard Reviews

There were, however, a few one- and two-star reviews:


1 Negative Fit Mastercard Review




Negative 2 Fit Mastercard Reviews

To be honest, the reviews I found were more positive than I had anticipated. Anyone who applied for the card, I assume, was already aware of the high fees. As a result, there are unlikely to be many negative reviews about the high fees.


Alternative Credit Cards for Credit Building

As previously stated, the Fit Credit Card isn’t your only credit-building option.

I even wrote a whole guide about the best credit cards for people with bad credit, which includes credit cards that outperform the Fit card. Some of the cards on this list have no annual fee and even offer cash back!

If your credit score is below what is considered “fair,” there are still better options available, such as secured credit cards and regular credit cards for people with bad credit.

Rather than listing all of your credit card options, use the credit card tool below to find cards that you can apply for based on your credit score:

Experian has a widely accepted definition of credit scores, bad, no credit, and somewhere in between


  • Exceptional (800) 850
  • 740-799: Excellent
  • 670-739: Excellent
  • 580-669: Average
  • Very Poor (300-579).

You can check your credit score or obtain a copy of your credit report using Credit Karma,, and a variety of other services.

Finally, if you want more information on how to build or rebuild your credit score, see our guide on how credit scores are calculated below.

A credit score is determined by five factors, the most important of which is your payment history:

  1. [35 percent ] Payment History
  2. 30 percent utilization
  3. [15 percent ] Credit History Length
  4. [10 percent] New Credit
  5. Credit Types [10 percent ]



 Fit Mastercard Review

To be honest, the Fit Mastercard is one of your worst credit-building options. It’s an unappealing option because of the additional fees on top of the $99 annual fee.

The fact that you’ll pay $314 in fees over the first two years outweighs the fact that the card appears to provide good customer service and the ability to improve your credit score over time.

Before you sign up for the Fit Mastercard, do your research and see what other credit-building options you have.