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Keep reading to discover a credit card that can assist in improving your financial situation, even with a low credit score.

The FIT® Platinum Mastercard®: A great opportunity to establish a robust credit history.


Having a less-than-perfect credit score doesn’t mean you can’t get a credit card. The FIT® Platinum Mastercard® is an option worth considering. It offers a credit limit of $400, which is higher than many other cards available to those with poor credit. Plus, with responsible use, you may be able to increase your limit to $800 within six months.


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Here are the benefits you'll receive with your new credit card:

Suitable for individuals with a low credit score;
This card reports to all three major credit bureaus;
Enjoy the safety and security of Mastercard's zero fraud liability protection;
Free credit score tracking available.

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The FIT® Platinum Mastercard® offers a higher initial credit limit of up to $400 compared to other credit cards for people with poor credit scores. This credit limit can be used to make purchases and improve your credit score over time, as long as you make timely payments.

You can use your FIT® Platinum Mastercard® at any merchant that accepts Mastercard, making it a versatile tool in helping you achieve your financial goals. Whether it’s for daily purchases like groceries or dining out, or for travel expenses, your FIT® Platinum Mastercard® can be a convenient payment option.

Certainly! In addition to helping you improve your credit score, the FIT® Platinum Mastercard® also provides opportunities for credit limit increases. By making your payments on time and demonstrating responsible credit usage, you may qualify for a limit increase, which can be doubled from the initial credit limit of $400 to $800.

Whether you’re looking to build credit from scratch or repair a less-than-stellar credit history, this card could be a game-changer. Let’s dive into the pros and cons:


  1. Credit Building Tool: The FIT Platinum Mastercard is designed specifically for those with limited or poor credit histories. By using it responsibly, you can gradually improve your credit score over time.
  2. Accessible Approval: Unlike some traditional credit cards that require a high credit score for approval, the FIT Platinum Mastercard is more accessible. Even if you have a low credit score or no credit history, you may still qualify.
  3. Mastercard Benefits: As a Mastercard, this card offers certain perks and benefits, such as fraud protection, price protection, and extended warranty coverage, which can add value to your purchases.


  1. Limited Credit Limit: Initially, your credit limit will be relatively low. So, it will not help you make big purchases. Let’s say it’s not like you’ll be able to make a full house renovation or pay for an international trip with your family…
  2. Annual Fee: The FIT Platinum Mastercard often comes with an annual fee. It’s important to factor it into your decision, especially if you’re on a tight budget.
  3. Interest Rates: Like many credit cards designed for individuals with less-than-perfect credit, the FIT Platinum Mastercard may have higher interest rates. It’s essential to pay off your balance in full each month to avoid accruing interest charges.

In conclusion, the FIT Platinum Mastercard can be a valuable tool for building or rebuilding your credit. Its accessibility, credit-building potential, and Mastercard benefits make it a solid choice for those looking to improve their financial standing.

However, it’s crucial to weigh the pros and cons carefully and consider your individual financial situation before applying.

To make an informed decision, you can check our full review. Or jump straight into the “how to apply” guide if you’re willing to give this Mastercard a chance to join your wallet and swipe it around responsibly.

FIT® Platinum Mastercard® credit card review. Source: The Mad Capitalist.

FIT® Platinum Mastercard® application

Easy apply: FIT® Platinum Mastercard® in minutes, get instant approval!

After discovering the FIT® Platinum Mastercard® and its application process, you might be interested in exploring another credit card option.

The First Progress Platinum Elite Mastercard® Secured Credit Card is a great choice if you want to improve your credit score.

It offers low APRs compared to other First Progress cards and is available nationwide. It may also be easier to qualify for even with a very low credit score.

To learn about how this credit card works, including the application process and qualifying requirements, read our post below.

Petal® 1 “No Annual Fee” Visa® Credit Card

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