Fit Mastercard – How to apply

By Raquel Oliveira • 03/29/2025

Fit Mastercard Initial $400 credit limit and Free credit score access.

The FIT Mastercard Credit Card is a solid choice for individuals looking to establish or rebuild their credit. With an initial credit limit of up to $400, it provides a structured approach to responsible credit management.

Each on-time payment is reported to Experian, TransUnion, and Equifax, helping cardholders strengthen their credit history and work toward better financial stability over time.

The card also includes online account management and mobile banking, allowing users to track spending, monitor payments, and stay in control of their finances with ease.

For those in search of a straightforward and accessible credit-building solution, the FIT Mastercard serves as a reliable tool for improving creditworthiness and achieving financial growth.

How Does the FIT Mastercard Credit Card Work?

• Designed for credit improvement – Ideal for individuals with limited or poor credit history.
• Monthly credit reporting – Your payment activity is reported to Experian, TransUnion, and Equifax.
• $400 initial credit limit – A controlled starting limit to encourage responsible spending.
• Potential for credit limit increases – Qualify for a higher limit with good payment habits.
• Use anywhere Mastercard is accepted – Shop in stores and online worldwide.

This card works best for users who commit to timely payments and want to steadily improve their credit profile.

Main Benefits of the FIT Mastercard

• Mobile app support – Simplifies tracking your balance and due dates.
• Initial $400 credit limit – A manageable starting point for building credit.
• Reports to all three major credit bureaus – Helps improve your credit score with responsible use.
• Free credit score access – Track your financial progress with online statements.
• Easy online account management – Monitor payments and spending anytime, anywhere.

Why Choose the FIT Mastercard?

• Ideal for credit rebuilding – Helps establish positive credit habits.
• Straightforward approval process – Easier to qualify compared to traditional credit cards.
• No perfect credit required – Open to those with poor or limited credit history.
• Mobile-friendly account access – Manage payments on the go.
• Increase credit limit over time – Higher limits may be available with responsible use.

If you’re focused on improving your credit, this card provides a structured and accessible way to do it.

Potential Drawbacks of the FIT Mastercard

• High APR – Interest charges add up if you carry a balance.
• Annual fee required – Adds to the cost of maintaining the card.
• Limited initial credit limit – $400 may not be enough for all spending needs.
• Additional fees – Late payments and over-limit transactions come with penalties.

This card works best when used for essential purchases and paid off in full monthly to avoid high interest costs.

Flexible Payment and Credit Limit Increase Opportunities

The FIT Mastercard not only helps build credit but also offers flexible payment options to assist cardholders in managing their finances.

While the initial credit limit is set at $400, users may qualify for an increase over time by maintaining on-time payments and responsible usage. This feature allows gradual financial growth and encourages better spending habits.

Additionally, cardholders can set up autopay to avoid late payments and reduce the risk of accumulating high-interest charges. These built-in features help maximize credit-building benefits while maintaining financial stability.

Cons of Fit Credit Card 

One of the main concerns is the interest rates, which can be high compared to other credit cards available on the market. 

If you don’t manage to pay this off in the first month, interest will start to accrue, which can further increase the total cost. 

Another disadvantage is the limited initial credit limit, which may not meet the needs of all users. For those who tend to make larger purchases, this restriction can be an inconvenience. 

In addition, increasing the credit limit depends on payment behavior, which can take time for those who are just starting to build up their history.

APR and Fees of the FIT Mastercard

• Relatively high APR – Interest rates are higher than many traditional credit cards.
• Annual fee required – Adds to the cost of maintaining the card.
• Late payment fees – Can lead to extra costs if payments are missed.
• Over-limit fees – Spending beyond the credit limit results in penalties.

To maximize benefits and avoid unnecessary costs, it’s best to pay off your balance in full each month.

How to Apply for the FIT Mastercard

1. Visit the FIT Mastercard website – Start your application online.
2. Fill out the application form – Provide personal details like name, address, and Social Security number.
3. Receive an approval decision – Some applicants get an instant response, while others may take up to 30 days.
4. Activate your card – Once approved, your card arrives by mail and must be activated before use.
5. Start using your card – Use responsibly and track spending with online and mobile banking.

The application process is simple, and most users receive a decision quickly.

Tools to Help You Improve Your Credit Score

• Monthly reporting to credit bureaus – Helps build a positive credit history.
• Free credit score access – Monitor progress and financial health with electronic statements.
• Spending alerts – Stay on top of payments with account notifications.
• Mobile banking app – Track purchases and make payments on time.

These built-in financial tools make the FIT Mastercard a valuable choice for credit rebuilding.

Conclusion: Is the FIT Mastercard Credit Card Right for You?

The FIT Mastercard is best for individuals looking to rebuild or establish credit history.

• Perfect for: People who need a basic, accessible card to improve their credit score.
• Not ideal for: Those who want a high credit limit or lower interest rates.

If you’re willing to use the card responsibly and avoid carrying a balance, this card can help you strengthen your credit profile.