The Continental Finance FIT™ Platinum Mastercard® is ideal for those looking to rebuild their credit history. With easy approval and monthly reporting to major credit bureaus, this card offers a real opportunity for improving your credit score.
In addition to benefits, the card provides transaction security, fraud protection, and international acceptance—making it a practical option for responsible credit users.
If you’re looking for a card that supports real credit rebuilding, keep reading to learn everything about the FIT™ Platinum Mastercard®.
Meet the Issuer
The FIT™ Platinum Mastercard® is issued by The Bank of Missouri and managed by Continental Finance, a company specialized in offering credit access to consumers with limited or poor credit. With over 2.6 million cards managed since 2005, Continental Finance is a trusted name in the market.
This card is designed to help users rebuild credit, offering practical tools and features that promote financial responsibility and payment discipline.
Main Benefits of the Card
Easy Approval: Tailored for individuals with limited or poor credit history, with a fast application process.
Credit Reporting: Monthly reports sent to Equifax, Experian, and TransUnion help boost your credit profile.
Fraud Protection: Enjoy Mastercard Zero Liability coverage for unauthorized transactions.
Free Credit Score Access: Monitor your credit with monthly score updates when enrolled in e-statements.
Worldwide Acceptance: Use your card at millions of locations that accept Mastercard globally.
Continental Finance Fit Platinum: Fees and Commissions
The FIT™ Platinum Mastercard® charges a one-time program fee of $95 at the time of approval. In addition, the annual fee is $99 for the first year and increases to $125 from the second year.
This card carries a fixed APR of 35.90% for both purchases and cash advances, which is significantly above the industry average. A 3% foreign transaction fee applies to all purchases made outside the U.S. All rates and fees are subject to change without prior notice.
Card Limit
The FIT™ Platinum Mastercard® starts with a $400 credit limit. After six consecutive on-time payments, you may qualify for an automatic credit line increase up to $800.
A higher limit can positively impact your credit utilization ratio, which plays a key role in building your credit score.
Positive points
- Simple Approval Process:This card is specifically designed for individuals with limited or damaged credit, offering an easier and more accessible approval process even for those who may not qualify elsewhere.
- Builds Credit:Your payment history is reported to all three major credit bureaus—Equifax, Experian, and TransUnion—each month, helping you steadily build or rebuild your credit score over time.
- Security Features:The card comes with robust security protections, including zero liability for unauthorized purchases and monthly access to your credit score to help you track your progress.
Negative points
- High Fees:Be prepared for multiple charges, including a one-time setup fee, annual fee, and ongoing monthly maintenance fees, which can significantly increase the cost of maintaining the card.
- High APR:With a fixed annual percentage rate of 35.90%, this card has one of the highest interest rates on the market, which may lead to expensive interest charges if you carry a balance.
- No Rewards:Unlike many credit cards, the FIT™ Platinum Mastercard® does not offer any form of cashback, travel points, or reward programs for purchases.
How to Apply for Continental Finance Fit Platinum Credit Card
- Visit the official Continental Finance website
- Click on “Apply Now” to start the process
- Fill out the application with your personal and financial information
- Review and submit your request
- Wait for credit evaluation and approval
- Once approved, your card will be mailed to your address
How to Contact Continental Finance Fit Platinum
If you need help or have questions, use these support channels:
- Phone: 1-866-449-4514
- Online Support: Available via the official website
- Mobile App: Manage your account and track expenses
- Email: Through the Continental Finance customer platform
Final Thoughts
The FIT™ Platinum Mastercard® is a practical option for those looking to rebuild their credit with the help of structured tools and consistent reporting. However, make sure to review the card’s fees and interest rates carefully before applying. If your goal is to re-establish your creditworthiness, this card can be a valuable first step.