FIT Mastercard®: A Smart Start for Building Credit

Build credit with confidence and everyday purchasing power with the FIT Mastercard®.

The FIT Mastercard®, issued by The Bank of Missouri, is designed for individuals who want to rebuild their credit with purpose and structure. Rather than focusing on rewards or lifestyle perks, this card emphasizes access, accountability, and steady credit progress.

Created for consumers who have struggled to qualify for traditional credit cards, the FIT Mastercard® offers everyday purchasing power paired with consistent credit reporting and essential protections, helping users re-establish trust with lenders over time.

Key Benefits, Protections, and Assistance

• Unsecured credit access without a security deposit
  The FIT Mastercard® allows users to access credit without requiring an upfront deposit, removing a common barrier associated with secured credit cards. This makes it more accessible for individuals who may not have extra funds available.
• Consistent reporting to all major credit bureaus
  Monthly account activity is reported to Equifax, Experian, and TransUnion. Responsible use—such as on-time payments and controlled balances—can help establish a positive payment history and support gradual credit improvement.
• Mastercard Zero Liability Protection
  Cardholders are protected from unauthorized transactions, ensuring they are not held responsible for covered fraudulent charges.
• Fraud monitoring and account security
  Ongoing security measures help identify suspicious activity and protect the account from misuse, adding an extra layer of confidence when using the card.
• Worldwide Mastercard acceptance
  The card can be used anywhere Mastercard is accepted, making it functional for everyday purchases, online shopping, and travel.
• Digital account access and management tools
  Cardholders can monitor transactions, manage payments, and review account activity through online access, supporting better financial organization.
• Customer support and dispute assistance
  Dedicated customer service is available to help with billing questions, disputes, and account-related concerns.

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Fees and Charges

Fee Type	Amount / Charge
One-Time Processing Fee	$95 before activation
Annual Fee	Applies (charged upon account opening)
Monthly Maintenance Fee	Applies after the first year
Purchase APR	High variable APR (set by issuer)
Cash Advance Fee	Applies (see terms)
Late Payment Fee	May apply
Foreign Transaction Fee	May apply

The FIT Mastercard® includes higher fees than traditional credit cards, reflecting its accessibility for users with limited credit options. For this reason, it is best used strategically and responsibly.

How the FIT Mastercard® Works and Its Purpose

The FIT Mastercard® is primarily a credit-building card, not a rewards card. Its purpose is to help users demonstrate responsible credit behavior over time.

By using the card for manageable purchases, paying balances on time, and avoiding high utilization, cardholders can build a track record of reliability. Because activity is reported monthly to the major credit bureaus, these positive habits can translate into measurable credit improvement.

This makes the FIT Mastercard® an effective stepping stone, helping users move closer to qualifying for lower-cost, rewards-based credit cards in the future.

Eligibility Requirements

• Designed for individuals with poor, fair, or limited credit history
• Applicants must meet basic income and identity verification requirements
• U.S. residency required
• Approval is subject to underwriting review

The card is intended for consumers who may not qualify for traditional credit products but are committed to rebuilding their credit.

How to Apply

Applying for the FIT Mastercard® is a straightforward process:

• Complete the online application on the official FIT Mastercard® website
• Submit basic personal and financial information
• Receive a decision after review
• Activate the card once approved and delivered

The application process is designed to be accessible, even for first-time credit card applicants.

Frequently Asked Questions

1) Is the FIT Mastercard® meant to replace a traditional credit card?
No. It is best viewed as a credit-building tool rather than a long-term replacement for lower-cost or rewards cards.

2) How should this card be used to build credit effectively?
Using the card for small purchases and paying the balance on time each month is the most effective approach.

3) Does carrying a balance help improve credit faster?
No. Paying on time is more important than carrying a balance, and interest charges can add unnecessary cost.

4) When should I consider upgrading to another card?
Once your credit improves and you qualify for cards with lower fees or rewards, it may be time to transition.

Final Thoughts

The FIT Mastercard® is designed for individuals who are serious about rebuilding their credit and willing to use a structured tool to do so. Backed by The Bank of Missouri and supported by the Mastercard network, it offers accessibility, reporting consistency, and essential protections.

If your goal is to re-establish credit and move toward better financial opportunities, the FIT Mastercard® can serve as a meaningful first step on that journey.