About the Card

The Continental Finance® FIT Mastercard® is a credit card specifically designed for individuals who are looking to rebuild or establish their credit.

This card is issued by Continental Finance, a company specializing in providing financial products to individuals with less-than-perfect credit.

The FIT Mastercard is a secured credit card with a simple application process, making it an accessible choice for those seeking to improve their creditworthiness over time.

One of the standout features of the FIT Mastercard is its no annual fee structure, which makes it an appealing option for individuals who need a credit-building card without the added burden of high upfront costs.

About the Issuer

The Continental Finance company is a financial institution that primarily serves individuals with subprime or limited credit history.

They specialize in offering credit cards that cater to people looking to establish or repair their credit.

By offering credit cards such as the Continental Finance® FIT Mastercard®, Continental Finance provides an opportunity for customers to demonstrate responsible credit use and ultimately improve their credit rating.

Continental Finance is committed to helping people with credit challenges rebuild their financial standing by offering a straightforward, transparent credit product.

Press the button below and check out the step-by-step process how to apply for the card.

Who Is This Card For?

The Continental Finance® FIT Mastercard® is designed for:

Individuals with poor or limited credit histories who are looking to rebuild their credit.

Those seeking a simple, no-frills credit card that can help improve their credit score over time.

People who are new to credit or have no prior credit history, as the FIT Mastercard allows cardholders to start building credit from scratch.

Consumers who want to avoid an annual fee, as the FIT Mastercard has no upfront annual fees.

Who Should Avoid This Card?

Individuals with excellent or good credit may not find the card necessary, as they likely qualify for cards with better rewards and terms.

Consumers who are not responsible with credit may struggle with fees or not see significant credit improvement if they do not manage their account properly.

Top Benefits of the Continental Finance® FIT Mastercard®

No Annual Fee

One of the biggest advantages of the FIT Mastercard is its $0 annual fee. This makes it a great option for those looking to improve their credit without worrying about high annual costs.

Easy Application Process

The application process is quick and simple, requiring minimal documentation to get started. Even if you have no credit history or poor credit, you can apply and potentially be approved.

Reports to All Three Major Credit Bureaus

The FIT Mastercard reports to the three major credit bureaus (Equifax, Experian, and TransUnion). This is crucial for anyone trying to build or rebuild their credit score, as it helps establish a credit history that will be considered by future lenders and creditors.

Fraud Protection and Zero Liability

The card offers fraud protection and a zero liability policy, which means you will not be held responsible for any unauthorized purchases made with your card.

Low Credit Limit

The credit limit on the FIT Mastercard typically starts lower than other cards, which can be an advantage for individuals looking to keep their spending in check while they build responsible credit usage.

Fees & Interest Rates

Annual Fee: $0
APR (Interest Rate): 29.99% variable (for purchases and cash advances)
Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
Late Payment Fee: Up to $40
Returned Payment Fee: Up to $40
Foreign Transaction Fee: 3% of the transaction amount
Minimum Payment: $25 or 1% of the balance, whichever is greater

Is the Continental Finance® FIT Mastercard® Worth It?

The Continental Finance® FIT Mastercard® is an excellent choice for individuals looking to rebuild their credit.

Its no annual fee and straightforward rewards structure make it accessible and practical for anyone needing a fresh start with credit.

Pros:

No annual fee – Keep costs low while building your credit.
Reports to all three major credit bureaus, which is vital for credit improvement.
Fraud protection and zero liability for unauthorized charges.

Cons:

High APR on purchases and cash advances – This means you will pay interest quickly if you carry a balance.
Cash advance fees may add up if you need to withdraw cash from the card.
Foreign transaction fees – This card may not be the best for those who travel abroad frequently.