Reviews (US)
FIT® Platinum Mastercard® review
The FIT Mastercard® Credit Card can help you rebuild your credit and finances. If you want to know more about this card, keep reading our full review!
FIT® Platinum Mastercard® Credit Card: Your initial credit limit of $400 that can double to $800 after 6 months.
The FIT® Platinum Mastercard® is focused on having features for people who need to rebuild their personal finances. As the card sends monthly payment reports to the major credit bureaus, you can find a way to rebuild your credit record a lot faster. Check out all the features and perks in our FIT® Platinum Mastercard® review.
How do you get the FIT® Platinum Mastercard®?
Do you need to reestablish personal finances? The FIT® Platinum Mastercard® can be a good option for you. Read our post about how to apply for it!
Also, if you do not have a credit score, this can help you get a good one. However, this card has many fees that come with it. Such as a $99 annual fee, and it also comes with a $6.25 maintenance fee that is billed monthly.
Also, the card does not have bonuses or rewards, only the benefit of checking your score monthly and zero dollars for fraud liability coverage. So, keep reading to learn more about this Fit card in our full review!
How does the FIT® Platinum Mastercard® work?
The card has an easy application process, and once you get approved, you can have fraud liability coverage at no cost. Also, you can have free access to your credit score monthly.
Even though the card offers no rewards and it has many fees, you can get the benefit of having your monthly payment report send to the 3 major credit bureaus every month.
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FIT® Platinum Mastercard® Card benefits
Pros
- People with very bad credit records can qualify to get this card.
- The company sends monthly payment reports to the three major credit bureaus.
- $0 for fraud liability coverage.
- You can double your spending limit from $400 to $800 in just six months.
- Responsible use can boost your credit score.
Cons
- There are quite a lot of fees.
- 3% foreign transactions fee.
- 29.99% variable APR, a very high APR.
- No rewards.
Should you get a FIT® Platinum Mastercard®?
As this is a card for people who need to re-establish their financial life, it has benefits related to this purpose. If you need to organize your personal finances, or if you have bad credit and debt, this can be a good credit card option for you. Also, if you do not need to have a balance on your credit card, this Fit card can be worth it.
However, before applying for this card, you should make sure that you can pay for the many fees it has. And do not worry about the lack of rewards and bonuses. It should really be a card just for a while to rebuild your personal finances the best way possible.
How good does your credit score need to be?
To get this Fit card, you do not need a very high credit score. The company accepts people with bad to fair scores. That means that if your credit score is from 300 to 670, you have the chance to get accepted to get this card.
Also, even if you do not have a credit record, you might be able to apply for the card and have a chance to be accepted.
How to apply for the FIT® Platinum Card?
Did you get interested in the way this credit card works and how it can give you the opportunity to rebuild your finances? Then know that the application process for this card can be very straightforward.
If you want to know how to get it, then check out our post below!
How do you get the FIT® Platinum Mastercard®?
Do you need to reestablish personal finances? The FIT® Platinum Mastercard® Card can be a good option for you. Read our post about how to apply for it!
About the author / Victória Lourenço
Reviewed by / Aline Barbosa
Senior Editor
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