The FIT Mastercard Credit Card

Looking to rebuild your credit without the hassle of a secured deposit? This card gives you the opportunity to start fresh — no collateral required.

CREDIT CARD

FIT Mastercard

Initial $400 Credit Limit No security deposit

SEE HOW TO APPLY You will remain on the current site

A Credit Card That Meets You Where You Are

The FIT Mastercard is built for real people dealing with real credit challenges. Whether you’ve faced setbacks in the past or are just starting to build your financial profile, this card offers an unsecured path forward. 

With an initial credit limit of $400 and monthly credit bureau reporting, the FIT Mastercard helps you move from damaged credit to rebuilding — one on-time payment at a time. This is not a rewards card or a premium travel perk product. It’s a second chance credit card, and that’s exactly where its power lies.

Why the FIT Mastercard Stands Out

• Unsecured Access: No security deposit needed — your approval is based on soft criteria, making it easier to qualify than most traditional cards.
• Initial $400 Credit Limit: Many competitors offer just $200 or $300. FIT starts higher.
• Reports to All 3 Major Bureaus: Every payment counts toward your Equifax, Experian, and TransUnion score.
• Credit Limit Doubles in 6 Months: Make your payments on time and you may be eligible for an automatic increase to $800.
• Online Account Management: Track balances, view statements, and pay bills through a clean, mobile-friendly portal.

For those trying to fix their credit score fast, this card offers both structure and opportunity.

How It Works: Simple, Straightforward, Unsecured

Unlike secured credit cards that require a refundable deposit, the FIT Mastercard is unsecured, meaning you don’t need to front any cash to open the account. Once approved, you receive an initial credit line of $400, which you can use for everyday expenses — from gas and groceries to bills and online shopping.

Each month, your payment history is reported to the three major credit bureaus. On-time payments and low balances help rebuild your credit score over time. After six months, responsible use may unlock a credit limit increase to $800, giving you more flexibility while strengthening your credit profile.

It’s a practical solution for those who’ve been denied elsewhere or who are rebuilding after life’s financial curveballs.

How It Compares to Other Cards for Bad Credit

Here’s how the FIT Mastercard measures up:

While the FIT Mastercard does come with an annual fee, the combination of a higher starting limit and early access to a credit increase makes it appealing for users serious about rebuilding their credit quickly and responsibly.

Who Should Consider the FIT Mastercard?

• People with poor or no credit history who want an unsecured card to build a score.
• Consumers recently denied by traditional banks due to low scores.
• Young adults or new residents of the U.S. looking to establish a credit profile.
• Anyone seeking to rebuild after bankruptcy, foreclosure, or medical debt.

It’s also a smart choice for those who need a simple starter card with minimal barriers to entry.

Final Word: Progress Without Prepayment

The FIT Mastercard offers something increasingly rare in today’s market — access without judgment. It doesn’t require a deposit. It doesn’t promise flashy rewards. Instead, it gives you a tool to rebuild, improve, and earn back trust from lenders — on your terms.

Whether you’re recovering from past mistakes or simply trying to gain financial independence, this card can be the foundation of your comeback story.

👉 Want to learn how to get approved fast and maximise your credit-building efforts? Continue to Page 2 for expert tips, insider strategies, and answers to questions most people don’t think to ask.