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FIT® Platinum Mastercard® (Consumer Credit Card)

FIT® Platinum Mastercard® (Consumer Credit Card) — Terms, Rates & Fees

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$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time). All credit types welcome to apply. Monthly reporting to the three major credit bureaus. Initial Credit Limit of $400.00* (Subject to available credit). Fast and easy application process; results in seconds. Use your card at locations everywhere Mastercard® is accepted. Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Checking Account Required.

Nav's Verdict

Cost

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

PoorGood

5/10

Bottom Line

An option for those re-establishing or rebuilding credit since this card reports to the 3 major credit bureaus. Initial credit line of $400 that doubles to $800 after 6-mos. of on-time minimum payments. There is a $89 one-time processing fee to activate this card plus a monthly maintenance fee (waived for the first year).

Pros

This card reports to the 3 credit bureaus and cardholders may be eligible for a credit limit increase after 6 months.

Cons

High interest and card fees.

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Rates and Fees

Terms, Rates & Fees

Intro APR

N/A

Purchase APR

29.99%

Annual Fee

See Terms

Welcome Offer

N/A

Rewards Rate

N/A

Foreign Transaction Fee

3% of each transaction in U.S. dollars.

Reviews

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For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.