FIT Mastercard® Credit Card Review
FIT™ Platinum Mastercard® from The Bank of Missouri — all information about the credit card.
Good Choose for Unsecured
- Rewards Rate:
- This card doesn't offer cash back, miles or points.
- Intro Offer:
- No current offer.
- Annual Fee:$99 annually
- Purchase Intro APR:None
- Regular APR:29.99% Variable
- Balance Transfer APR:None
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Rate and fee information
- Purchase Intro APR
- None
- Purchase APR
- 29.99% Variable
- Intro Balance Transfer APR
- None
- Balance Transfers APR
- None
- APR for Cash Advances
- 29.99% Variable
- How to Avoid Paying Interest
- Your Payment Due Date is at least 25 days after the close of each Billing Cycle. You will not be charged any interest on purchases ifyou pay your entire Account balance by the Payment Due Date each month. You will be charged interest on cash advances on the transaction date.
Fees
- Annual Fee
- $99 annually
- Fees for Cash Advances
- Either $10 or 3% of the amount of each cash advance, whichever is greater
- Return Payment
- Up to $41
- Late Payment
- Up to $41
Pros & Cons
- Credit may increase with time
- Low eligibility requirements
- Reasonable credit limit
- No Security deposit
- Credit Score Access
- High extra fees
- High APR
- Foreign Transaction Fee
- No reward program
- No Sign up Bonus
Features
- Payment Flexibility
- Fraud Protection
- Free Credit Score
- Purchase Protection
- Poor Credit
About the issuer
Compare with other cards
- $75.00 for the 1st year, $48.00 afterAnnual Fee
- 35.99%Regular APR
- 1%Cash Back on all purchases.
- NonePurchase Intro APR
- $29Annual Fee
- 25.24%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR
- $39Annual Fee
- 19.24%Regular APR
- 1%Cash Back on payments made to your First Progress Secured credit card account.
- NonePurchase Intro APR
See Another Credit Cards in the Bank
FIT® Platinum Mastercard® Credit Card Review
Looking for an unsecured credit card that will help you rebuild your credit? Are you ready to begin building your credit score but don’t know where to start? FIT® Platinum Mastercard® is an option to consider.
It is accepted everywhere, and is the perfect option for cardholders interested in building up their credit. FIT® Platinum Mastercard® can also be used to repair one’s credit. Besides, FIT® Platinum Mastercard® provides access to $0 fraud liability coverage and free access to monthly credit scores.
The downside of the card is the hefty fees. Other than that, it's a solid credit card, suitable for personal use.
FIT® Platinum Mastercard®: Pros and Cons
| Pros | Cons |
|---|---|
| Credit limit increases with time. The potential credit limit may increase over time. Cardholders are eligible for a limit increase after six months. | High Fees. The FIT® Platinum Mastercard® card comes with various fees, including an annual fee of $99 and a one-time processing fee of $89. You also pay $6.25 every month as maintenance fees from the second year going forward. |
| Low eligibility requirements. The card is available to all interested parties, including those with bad credit. | High APR Rate. The FIT® Platinum Mastercard® card comes with a 29.99% APR rate. |
| Reasonable credit limit. FIT® Platinum Mastercard® comes with an initial $400 credit limit. | Foreign Transaction Fees. The FIT® Platinum Mastercard® comes with a 3% transaction fee. |
| No Security deposit. The FIT® Platinum MasterCard® doesn’t require any security deposit. | No reward program. The FIT® Platinum Mastercard® card does not offer any sign-up bonuses or rewards. |
| Credit Score Access. Free access to credit score every month. | No Sign up Bonus. The FIT® Platinum Mastercard® doesn’t offer any introductory bonuses. |
Rewards System
Unfortunately, FIT® Platinum Mastercard® does not offer any cashback or rewards. Cardholders don't get perks such as travel and emergency insurance or reimbursement for missing luggage.
Who can benefit from getting the FIT® Platinum Mastercard® Credit Card?
FIT® Platinum Mastercard® is a great credit card for personal use, especially for people with poor credit or no credit. It’s an excellent option for people who would want to rebuild their credit.
FIT® Platinum Mastercard® has few requirements for application and a reasonable credit limit starting at $400, with a potential credit limit increase after six months of use.
Are there any other benefits?
- Online account management
FIT® Platinum Mastercard® allows cardholders to access their online management system where they can:
- Review statements
- Make payments
- View payment history
- View recent transactions
- View your balance and other important FIT credit information.
- $0 Fraud Liability
The $0 fraud liability gives you ownership over your card and all purchases made. It gives you the confidence to go about your business knowing your card activity is fully protected.
- Mobile App
FIT Card has a mobile app where cardholders can manage their account anytime from the comfort of their mobile device. It is available on Google Playstore and App Store.
- Free Monthly Credit Score Access
Cardholders can access their monthly credit score for free.
- Monthly reporting to all three major credit bureaus
The FIT card reports your activity to the three major credit bureaus:
- TransUnion
- Experian
- Equifax
Conclusion
FIT® Platinum Mastercard® is a product of Continental Finance. The credit card comes with a $400 initial limit that can be potentially increased after six months of use. What's more, it provides owners with $0 fraud liability.
The other potential disadvantage is the lack of rewards or bonuses. Cardholders don't get perks such as rental car insurance, cashback bonuses, or even travel benefits.
FAQ
What is the customer service phone number for FIT® Platinum Mastercard® Credit Card?
How to check my application status for FIT® Platinum Mastercard® Credit Card?
- *see terms*Annual Fee
- 35.90%Regular APR
- This card doesn't offer cash back, miles or points.
- NonePurchase Intro APR