The FIT Mastercard Credit Card offers a strategic path to credit-building for U.S. consumers who may be just starting their credit journey or working to improve a low credit score. Issued by Continental Finance, the FIT card stands out for its accessibility, credit reporting, and opportunity to double your initial credit limit with responsible usage. If you’ve had trouble getting approved elsewhere, the FIT Mastercard may be the entry point you’ve been searching for.
Let’s dive into everything this card can offer — from credit-building tools to flexible features that prioritize your financial growth.
Reward-Free, but Focused on Building Credit
Unlike traditional rewards cards, the FIT Mastercard does not provide cash back or points. Instead, it’s focused on establishing or repairing credit by reporting your monthly payment activity to the three major credit bureaus: Equifax, Experian, and TransUnion.
While there’s no rewards structure, the card’s true value lies in helping you build a strong payment history — the most important factor influencing your credit score.
Flexible Spending Limit that Grows with You
When approved, you’ll receive an initial $400 credit limit, which can double to $800 after just six months of on-time payments and responsible account activity. This increase is not guaranteed, but it’s an excellent incentive to stay on top of your payments.
Having a higher limit can help reduce your credit utilization ratio, another key component of a healthy credit score. That’s one reason why many users see the FIT Mastercard as a stepping stone toward unsecured cards with better terms later on.
Manage Your Account Easily Online or via Mobile
Cardholders can manage their account anytime using the Continental Finance mobile app or the online portal. This platform allows you to:
- View transactions and balance in real time
- Set up automatic or manual payments
- Track your available credit
- Review statements and payment history
You’ll also have access to electronic billing, account alerts, and payment reminders to stay organized.
Fast Prequalification Without Damaging Your Score
Before applying, you can check to see if you prequalify with no impact to your credit score. This soft inquiry won’t affect your credit and helps you understand your chances of approval before submitting a full application.
The full application process may result in a hard inquiry, which can temporarily impact your score. Still, this step is necessary to receive a final decision and credit limit offer.
Key Features and Benefits at a Glance
- Reports to all 3 major credit bureaus
- Initial $400 credit limit
- Credit limit review after 6 months
- Free online account access and app management
- Zero fraud liability
- 24/7 customer service
- Monthly credit score tracking (with some versions)
- Accepted anywhere Mastercard is used
Eligibility Criteria
You may qualify for the FIT Mastercard if you meet the following:
- You are at least 18 years old (19 in some states)
- You have a valid Social Security number
- You are a U.S. resident with a verifiable address
- You do not currently have an open FIT Mastercard
- You meet the issuer’s credit and income requirements (typically available to those with poor to fair credit)
How to Apply for the FIT Mastercard
Here’s a simple 3-step process to apply:
- Go to the FIT Mastercard application page on the Continental Finance website.
- Complete the prequalification form, including your full name, address, SSN, and income.
- If prequalified, submit the full application to receive a decision and credit limit offer.
Approvals are often issued within minutes. If approved, your card typically arrives within 7–10 business days.
