Is the FIT Mastercard® a Smart Way to Rebuild Credit in 2025?

Full Review

If your credit score is holding you back — and you can’t afford to lock away $200 in a secured card — the FIT Mastercard® might look like a real opportunity. It’s one of the few unsecured cards that still approves applicants with poor credit and no deposit.

But before you jump in, let’s look under the hood. Between the high fees and limited credit line, is it truly helpful or just another costly detour?

Here’s what you need to know.

✅ Top Benefits of the FIT Mastercard®

• No Security Deposit Required You won’t need to tie up $200+ to get approved.
• Reports to All 3 Major Credit Bureaus Every on-time payment helps build your score with Experian, Equifax, and TransUnion.
• Check Without Hurting Your Credit Pre-qualify online with a soft pull — no risk to your score.
• Mobile Account Access Track your spending, payments, and due dates 24/7.

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👤 Who This Card Is For

The FIT Mastercard® could be a fit if:

• You have bad or limited credit history
• You can’t afford a secured card deposit
• You understand this card is a short-term credit rebuild tool, not a forever card

⚙️ How the FIT Mastercard® Works – Simple Steps

1. Check if you pre-qualify (no credit score impact)
2. If approved, you’ll start with a $400 credit limit
3. Pay a $95 setup fee + $99 annual fee up front
4. Use the card for small purchases
5. Pay on time to avoid interest and build your score

💡 Heads-up: In year 2, a $10/month maintenance fee kicks in — that’s an extra $120 a year.

🔍 How It Stacks Up: FIT vs Other Starter Cards

Card	Deposit Needed?	APR	Annual Fee	Reports to Credit Bureaus
FIT Mastercard®	❌ No	35.9%	$99 + $95 setup	✅ Yes
Capital One Secured	✅ $49–$200	30.49%	$0	✅ Yes
OpenSky® Secured Visa®	✅ $200	25.64%	$35	✅ Yes

👍 Pros & Cons at a Glance

Pros

✔ No deposit required

✔ Easy to get approved

✔ Helps build credit with all 3 bureaus

Cons

✘ High fees in the first year and beyond

✘ Very high APR (over 35%)

✘ Low usable credit after fees (~$200 starting limit)

The FIT Mastercard® isn’t the cheapest way to build credit — but if you’re short on savings and need a way back into the credit system, it can do the job.

Just go in with a strategy:

• Keep your balance low
• Pay in full every month
• Upgrade or switch to a better card once your score improves

👉 Want to see if you qualify? Check your chances now — no credit score impact.

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