Issued by The Bank of Missouri – a trusted U.S. institution founded in 1891 with over $2.9 billion in assets.
What you need to know about this credit card:
- Initial limit up to $400 – Upon approval, your starting credit line will be $400.
- No perfect credit required – Applicants with less-than-perfect credit are welcome.
- Reports to all three bureaus – Payments are reported to Experian, Equifax and TransUnion.
- Free monthly credit score – When enrolled in e-statements, track your credit progress every month.
Pros:
- Credit-building tool – Ideal for those rebuilding or starting their credit journey.
- Zero fraud liability – Mastercard Zero Liability Protection against unauthorized charges.
- Online & mobile access – Manage your account 24/7 from any device.
- Quick approval decision – Many applicants get an instant response.
- Accepted worldwide – Use it anywhere Mastercard is accepted, from shopping to travel.
Cons:
- Low initial limit – Starting at $400, may be limited for larger purchases.
- No rewards program – This card doesn’t offer points or cashback incentives.
Why Choose The Bank of Missouri for Your Credit Card?
While the FIT Mastercard starts with a $400 limit, many secured cards like the OpenSky® Secured Visa require a deposit and don’t offer free credit scores.
Unlike the Surge® Mastercard, the FIT has a simpler approval process and more intuitive app features for mobile account access.
Compared to the Reflex Mastercard, FIT reports to all three bureaus monthly and provides free score monitoring—a win for credit health.
The Milestone® Gold Mastercard may offer higher limits, but FIT has stronger fraud protection through Mastercard’s Zero Liability.
Even the Indigo® Platinum Mastercard can’t match FIT’s credit-tracking tools and transparent customer service from Continental Finance.
FIT Mastercard Platinum: let’s get to know it a little better
How to Apply for Your FIT Mastercard Platinum
Ready to take control of your credit? Click below to begin the easy, secure application process. No perfect score required—just the willingness to grow.