The Fit Mastercard is an unsecured credit card for bad credit that charges a $95 one-time processing fee plus a $99 annual fee in year one, according to U.S. News and the card’s official terms, making the true first-year cost $194 before any purchases are made.
Issued by The Bank of Missouri and serviced by Continental Finance, the Fit Mastercard targets consumers with poor or limited credit who want to avoid a security deposit. Approved cardholders start with a $400 credit limit, and the account reports monthly to Experian, TransUnion, and Equifax.
Key Details at a Glance
| Feature | Details |
|---|---|
| Issuer | The Bank of Missouri, serviced by Continental Finance |
| Processing Fee | $95 (one-time, before card activation) |
| Annual Fee | $99 year 1, $125 year 2+ |
| Monthly Fee | $0 year 1, $12.50/month ($150/year) from year 2 |
| APR | 35.90% fixed |
| Starting Credit Limit | $400, eligible for increase after 13 months |
| Foreign Transaction Fee | 3% of each transaction |
Applicants can check their approval odds through the official Fit prequalification page, which uses a soft credit pull that doesn’t affect your credit score.
Why the Real Cost Is Higher Than It Looks
The $400 credit limit sounds workable until the fees are subtracted from it. According to AskMrCreditCard’s breakdown, the $95 processing fee and $99 annual fee are deducted immediately, leaving roughly $301 in actual spending power on day one — a fee-to-limit ratio of nearly 49%.
Year two gets more expensive, not less. NerdWallet notes that the combined $125 annual fee and $150 in monthly maintenance fees add up to $275 annually — meaning cardholders can pay close to $470 across the first two years just to hold a $400 line of credit, before any interest charges.
Pros and Cons
Pros
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Cons
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Who Should Get This Card
This card fits some financial situations better than others.
| Profile | Fit |
|---|---|
| Rejected by other unsecured cards | Good fit — accepts very low FICO scores |
| Has no cash for a security deposit | Good fit — no deposit required at all |
| Can afford even a small refundable deposit | Poor fit — a secured card will almost always cost less |
| Wants the lowest possible ongoing fees | Consider the Perpay Credit Card instead |
If Fit’s fees feel steep, it’s worth comparing offers before applying. Our Reflex Mastercard review covers another Continental Finance card with an automatic credit limit increase, and our Destiny Mastercard review breaks down a lower-fee alternative from a different servicer.
Frequently Asked Questions
Is the Fit Mastercard a legitimate credit card?
Yes. Fit is issued by The Bank of Missouri, an FDIC-insured bank, and serviced by Continental Finance. It reports account activity to Experian, TransUnion, and Equifax every month.
Does the Fit Mastercard require a security deposit?
No. Fit is an unsecured credit card, meaning approved applicants don’t need to put down any cash deposit to open the account.
How much does the Fit Mastercard cost per year?
The first year costs $194 total ($95 processing fee plus $99 annual fee). From year two onward, the cost rises to $275 per year ($125 annual fee plus $150 in monthly maintenance fees).
Can my Fit Mastercard credit limit increase?
Yes, but it isn’t automatic. Cardholders become eligible for a credit limit review after 13 months, though approval depends on payment history and isn’t guaranteed.
Can I check if I qualify without hurting my credit score?
Yes. Fit’s prequalification process uses a soft credit pull, which doesn’t affect your credit score. A hard inquiry only occurs if you proceed with the full application.
Disclaimer: We are not financial advisors. This review is for informational purposes only and reflects publicly available terms as of 2026. Card terms, fees, and APRs can change — always confirm current details directly with the issuer before applying.