The FIT Platinum Mastercard® is designed for individuals looking to rebuild or establish their credit with a card that offers accessibility, simplicity, and convenience. It’s ideal for those who don’t qualify for traditional cards but want tools to build credit.
This card is especially helpful for people who prefer an unsecured credit line with the option to grow over time. It also offers fast approval, monthly reporting to credit bureaus, and essential digital account management.
If you’re ready to start improving your credit with a card that keeps things straightforward, the FIT Platinum Mastercard® might be the right choice for your wallet.
Meet the Issuer
The FIT Platinum Mastercard® is issued by The Bank of Missouri and managed by Continental Finance, a financial services company that specializes in credit cards for people with less-than-perfect credit.
Continental Finance has developed a reputation for serving consumers who need a second chance to access credit. Their cards often include features to help cardholders understand and improve their credit behavior.
As part of their commitment, the FIT Platinum Mastercard® offers a streamlined online application, secure account access, and the tools necessary to manage payments and balances easily.
Main Benefits of the Card
Available to All Credit Types: Even with a limited or challenged credit history, you can apply and potentially be approved for this card.
Unsecured Credit Line: No deposit is required to open your account, unlike secured cards which require upfront collateral.
Monthly Credit Reporting: Your payment history is reported to all three major credit bureaus, helping to rebuild credit responsibly.
Initial Limit Up to $400: You may start with a credit limit of up to $400, with potential for increases after demonstrated responsible use.
Free Credit Score Access: Stay informed about your credit standing with free access to your score through your online account.
Zero Liability Protection: Unauthorized charges are covered by Mastercard’s fraud protection policies, giving you peace of mind.
Mobile Account Access: Manage your balance, pay your bill, and receive alerts through the mobile-friendly account dashboard.
Pre-Qualification Option: You can check if you qualify without affecting your credit score, helping you apply with more confidence.
Potential for Limit Doubling: After six months of on-time payments, your credit line may be reviewed and increased up to $800.
FIT Platinum: Fees and Commissions
The FIT Platinum Mastercard® includes an annual fee of $99, which is billed to your account after approval. There is also a one-time processing fee of $89 when your account is first opened.
The card’s APR is approximately 29.99% (variable), and other fees may apply for late or returned payments, as well as for optional services like paper statements or credit protection programs.
Note: All rates and fees are subject to change. Always review the latest information provided on the official FIT Platinum site before applying.
Card Limit
The FIT Platinum Mastercard® typically starts with a credit limit of $400, which may be subject to available credit after deducting the processing and annual fees.
One standout feature is the credit limit doubling opportunity. After making your first six payments on time, Continental Finance may increase your limit to $800 automatically — giving you more flexibility and a lower credit utilization ratio.
Positive points
- No Security Deposit Required:You don’t need to provide cash upfront, unlike secured cards.
- Credit Limit Increase Potential:Eligible users may have their limit doubled after six months of responsible use.
- Designed for Poor or Limited Credit:Ideal for those with little to no credit history or past credit issues.
Negative points
- High Fees:The card comes with both an annual fee and an initial processing fee, which can reduce available credit.
- High APR:Carrying a balance will lead to significant interest due to the elevated interest rate.
- No Rewards or Perks:This card doesn’t offer cashback, points, or travel benefits.
How to Apply for FIT Platinum Credit Card
- Go to the official FITCardInfo.com website
- Click on “Pre-Qualify Now”
- Enter your personal and financial information
- View your pre-qualification results instantly
- If approved, complete the full application
- Review and agree to the terms and fees
- Submit your application
- If accepted, your card will be mailed within 7–10 business days
How to Contact FIT Platinum
Need help with your card or application? You can reach the customer support team through these channels:
- Phone: 1-866-449-4514
- Customer Service Hours: Monday to Friday, standard business hours
- Mailing Address: Continental Finance, P.O. Box 8099, Newark, DE 19714-8099
- Website Support: Secure login and message center via fitcardinfo.com
If you’re ready to start building better credit, the FIT Platinum Mastercard® gives you the foundation to move forward. Visit the official site today to begin your application with no impact on your credit score.