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.

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.

The Surge Mastercard® Credit Card is a credit-building card designed for individuals with poor, fair, or limited credit history.

Issued by Celtic Bank and managed by Continental Finance, this card provides a second chance for those looking to rebuild their credit.

One of its biggest advantages is that it offers both secured and unsecured versions, allowing applicants to qualify for a credit line without requiring a security deposit.

Additionally, the card reports to all three major credit bureaus, helping cardholders improve their credit score over time with responsible use.

About Celtic Bank & Continental Finance

The Surge Mastercard® Credit Card is issued by Celtic Bank, a trusted financial institution based in Salt Lake City, Utah.

Celtic Bank is known for offering specialized credit products for individuals with limited or bad credit histories.

The card is managed by Continental Finance, a company specializing in credit-building cards.

Continental Finance has a strong reputation for working with subprime borrowers, offering products tailored to help them rebuild credit through responsible usage.

Together, these financial institutions provide a stable and reliable credit option for those seeking a fresh financial start.

Who Should Consider This Card?

The Surge Mastercard® Credit Card is ideal for:

Individuals with bad or limited credit who need a second chance to establish a solid credit profile.
People who do not qualify for traditional credit cards due to a low credit score or past financial difficulties.
Consumers who want a credit card that reports to all three major credit bureaus to help improve their creditworthiness.
Those who need access to a credit line but cannot afford a large security deposit required by many secured cards.
Anyone looking for a credit card that offers potential credit limit increases over time.

If you already have good or excellent credit, you may qualify for a better card with lower fees and interest rates. However, if your goal is to rebuild credit, the Surge Mastercard® Credit Card is a practical solution.

Top Benefits of the Surge Mastercard® Credit Card

Available for Bad & Fair Credit

• Even if you have a low credit score, you may still qualify for this card.
• The Surge Mastercard® offers both secured and unsecured options, depending on creditworthiness.

No Security Deposit Required (for Unsecured Option)

• Many credit-building cards require a security deposit, but the Surge Mastercard® offers unsecured approval for eligible applicants.

Reports to All Three Major Credit Bureaus

• Payments are reported to Experian, Equifax, and TransUnion, which can help cardholders boost their credit score with responsible use.

Credit Limit Up to $1,000 (Potential Increases Over Time)

• Initial credit limits range from $300 to $1,000, based on creditworthiness.
• Cardholders may qualify for credit line increases after six months of responsible payments.

Fast and Easy Online Application

• The application process is quick, simple, and available online.
• Applicants can prequalify without impacting their credit score.

Zero Fraud Liability

• Provides fraud protection against unauthorized transactions.
• If your card is lost or stolen, you are not responsible for fraudulent charges.

Additional Features & Protections

Mobile & Online Account Management

• Cardholders can track spending, make payments, and manage their account online or via the mobile app.

Free Credit Score Monitoring

• Access credit monitoring tools to track your progress.

Automatic Credit Line Reviews

• Responsible use may lead to a higher credit limit, reducing credit utilization and improving credit scores.

EMV Chip Security

• Provides enhanced security for in-store transactions.

Customer Support

• Dedicated customer service is available for account assistance and questions.

Fees & Interest Rates

Annual Fee: $75 – $99 (depending on creditworthiness)
APR: 24.99% – 29.99% Variable APR
Foreign Transaction Fee: 3% per transaction
Late Payment Fee: Up to $40

The Surge Mastercard® has a relatively high APR and an annual fee, which is common for credit-building cards. To avoid unnecessary interest charges, cardholders should pay their balance in full each month.

Is the Surge Mastercard® Credit Card Worth It?

The Surge Mastercard® Credit Card is a good option for people with bad or fair credit who need an unsecured credit card.

Here’s why it might be a good choice:
No security deposit required (for qualified applicants).
Prequalification available without a hard credit check.
Reports to all three major credit bureaus to help build credit.
Potential for credit limit increases over time.
Basic fraud protection for security.

The Avant Credit Card is a straightforward and accessible credit card designed for individuals looking to build or improve their credit scores.

Issued by Avant, a reputable financial technology company, this card provides a manageable credit limit, no security deposit, and a quick and easy application process.

Unlike many credit-building cards that require a security deposit, the Avant Credit Card is an unsecured credit card, meaning cardholders do not need to provide an upfront deposit to access credit.

While it does not offer rewards, its main value lies in its accessibility and its ability to help users establish responsible credit habits.

About Avant

Avant is a financial technology company that specializes in personal loans and credit products for consumers with fair to good credit.

Founded in 2012, Avant aims to simplify the borrowing experience by offering accessible financial solutions to individuals who may not qualify for traditional credit cards or loans.

The company is known for its streamlined online application process, transparent terms, and customer-friendly approach.

Avant operates nationwide, serving over 1.5 million customers who are looking for credit-building and personal financing options.

Avant’s commitment to responsible lending makes the Avant Credit Card a great choice for those who need a financial tool to manage credit responsibly.

Who Should Consider This Card?

The Avant Credit Card is best suited for:

Individuals with fair or limited credit who want to improve their credit score.
People who do not qualify for traditional unsecured credit cards but want an alternative to secured cards.
Those looking for a simple and hassle-free credit card without complex rewards programs or hidden fees.
Consumers who want to rebuild their credit history through on-time payments and responsible usage.
Anyone who wants a credit card with no security deposit requirement.

If you already have good to excellent credit, this card may not offer the best value, as it lacks rewards and premium perks. However, for credit-building purposes, the Avant Credit Card is a solid option.

Top Benefits of the Avant Credit Card

No Security Deposit Required

Unlike most credit-building cards, the Avant Credit Card is unsecured, meaning no upfront deposit is needed to access a credit line.

Prequalification with No Impact on Credit Score

• Avant allows applicants to check if they qualify without affecting their credit score.
• This is a major advantage, as many credit cards require a hard credit inquiry upfront.

Reports to All Three Major Credit Bureaus

• Avant reports to Experian, Equifax, and TransUnion, helping cardholders build a strong credit history.
• Making on-time payments and keeping a low credit utilization can help boost your credit score over time.

Quick and Easy Online Application

• The application process is fully online and takes only a few minutes.
• Avant provides fast approval decisions, allowing applicants to receive a response quickly.

Credit Limit Flexibility

• The starting credit limit varies based on creditworthiness.
• Cardholders may receive credit line increases over time with responsible usage.

No Hidden Fees

• While there is an annual fee (typically $59), the card does not have excessive hidden charges like some subprime credit cards.

Mobile and Online Account Management

• Avant offers a user-friendly mobile app that allows cardholders to track spending, pay bills, and manage their accounts conveniently.

Additional Features & Protections

Zero Fraud Liability Protection

• If your card is lost or stolen, you are not responsible for unauthorized transactions.

Credit Score Monitoring Tools

• Avant provides access to credit monitoring tools to help users track their credit progress.

Fast and Secure Payments

• The Avant Credit Card supports online payments and automatic billing, making it easier to stay on top of payments.

Potential Credit Line Increases

• Responsible cardholders may qualify for credit line increases, improving their credit utilization ratio.

Customer Support

• Avant provides dedicated customer service for cardholders who need assistance with their account.

Fees and Interest Rates

Annual Fee: $59 (Varies based on creditworthiness)
APR: 28.49% Variable APR
Foreign Transaction Fees: 3% per transaction
Late Payment Fee: Up to $39

While the APR is high, it is comparable to other credit-building cards. Cardholders should aim to pay their balance in full each month to avoid interest charges.

Is the Avant Credit Card Worth It?

The Avant Credit Card is a strong option for individuals with fair or limited credit who want an unsecured card without a security deposit.

Here are the main reasons to choose this card:
No security deposit required, making it more accessible than secured cards.
Reports to all three major credit bureaus, helping to build credit quickly.
Simple and straightforward application process.
Prequalification available with no impact on credit score.
Potential for credit line increases over time.

The BankAmericard® Credit Card is a no-annual-fee credit card that provides simple rewards and low interest rates for individuals looking to save on interest while building or improving their credit.

It’s ideal for those who want a reliable and affordable option with flexible benefits.

While it may not offer complex reward structures, it makes up for this with ease of use, basic features, and competitive rates.

This card offers introductory 0% APR on purchases and balance transfers for the first 18 billing cycles, which can help cardholders save on interest during the first months of use.

Additionally, the BankAmericard® Credit Cardoffers automatic credit line increases as a part of its credit-building efforts for those with good financial habits.

About Bank of America

Bank of America is one of the largest financial institutions in the United States, offering a wide array of services, including banking, investment, mortgage, and credit card products.

Founded in 1904, Bank of America has become an integral part of the global financial system, with over 66 million consumer clients and a vast network of branches and ATMs across the country.

Bank of America is known for its customer-first approach and provides innovative solutions to help customers manage their finances.

The company is committed to creating value for its customers by offering financial productsthat are tailored to their needs, including affordable credit cards like the BankAmericard®.

Who is this card for?

The BankAmericard® Credit Card is designed for:

• Individuals seeking to build credit: Whether you’re new to credit or looking to improve your score, this card offers a simple, no-frills option to help build or improve your credit history over time with responsible use.
• People with average credit scores: This card is perfect for those with fair or average credit who want to avoid high fees and interest rates, providing a great entry point into the world of credit cards.
• Those looking to save on interest: If you plan to carry a balance, the introductory 0% APR on purchases and balance transfers for the first 18 billing cycles can help you avoid paying interest during the first months of use.
• Consumers who want simplicity: For cardholders who prefer straightforward rewards and low maintenance, the BankAmericard® Credit Card is an ideal solution. There are no complicated points systems, just low-interest rates and basic features.

Card Advantages

The BankAmericard® Credit Card offers several key benefits:

• 0% Intro APR for 18 Billing Cycles: New cardholders can enjoy 0% APR on purchases and balance transfers for the first 18 billing cycles. After this period, the variable APR will apply, providing significant savings for those who need time to pay off large purchases or transfer existing debt.
• No Annual Fee: The BankAmericard® Credit Card comes with no annual fee, making it an affordable option for those who don’t want to pay extra just to own a credit card.
• Competitive Interest Rates: The variable APR after the introductory period is competitive, making it a solid choice for those who tend to carry a balance from month to month.
• Access to FICO® Score: Cardholders can access their FICO® score for free, giving them insight into their credit health and helping them stay on top of their finances.
• Automatic Credit Line Increases: Bank of America may offer automatic credit line increases for those who consistently demonstrate responsible credit management, giving you more purchasing power over time.
• Mobile Banking & Alerts: With the Bank of America mobile app, cardholders can easily manage their account, set up alerts for due dates, and make payments, helping you stay in control of your spending and credit.
• Fraud Protection: The BankAmericard® Credit Card offers zero liability protection for unauthorized transactions, giving you peace of mind knowing that you’re not responsible for fraudulent charges.
• No Foreign Transaction Fees: Cardholders can use the card internationally without worrying about foreign transaction fees, making it an excellent option for travelers.

Additional Benefits

• Convenient Online Account Management: Bank of America offers an easy-to-use online portal where cardholders can manage their accounts, track spending, and view transaction history.
• Integration with Digital Wallets: The card can be added to digital wallets like Apple Pay, Google Pay, and Samsung Pay, allowing for quick and secure payments using your mobile phone.
• Customer Support: Bank of America provides 24/7 customer support, ensuring that cardholders can get assistance whenever needed.

The Citi Simplicity® Card is a credit card designed for individuals seeking a straightforward, no-frills card that offers long-term savings.

Known for its introductory 0% APR on balance transfers and purchases, it is an excellent option for those looking to save on interest while paying off existing credit card debt or making larger purchases.

With no late fees, no penalty APR, and no annual fee, the Citi Simplicity® Card is ideal for those who prefer simplicity without the added pressure of high interest rates or hidden fees.

About Citi

Citigroup, commonly known as Citi, is a leading global financial services company.

With a presence in over 100 countries, Citi offers a range of financial products and services, including banking, investment, wealth management, and credit cards.

Founded in 1812, Citi has built a strong reputation for providing innovative financial solutions and is one of the largest banks in the world.

Citi’s credit card portfolio includes a variety of cards, from rewards cards to cash back cards to 0% APR cards, like the Citi Simplicity® Card, which appeals to consumers who want to manage their finances without the complexity of rotating categories or annual fees.

Who is this card for?

The Citi Simplicity® Card is ideal for individuals who:

• Have existing credit card debt: If you’re looking to consolidate high-interest debt from other credit cards, the 0% introductory APR on balance transfers (for up to 18 months) offers a significant opportunity to pay down your balance without accruing additional interest. This makes it a great tool for debt management.
• Need time to make large purchases: The 0% APR on purchases for up to 18 months allows cardholders to make larger purchases and pay them off over time without worrying about interest charges during the promotional period. This can help you manage big-ticket items, such as home improvements or special purchases, more comfortably.
• Value simplicity: With no annual fee, no late fees, and no penalty APR, the Citi Simplicity® Card is perfect for those who prefer a simple, hassle-free credit card. There are no complicated rewards structures or limits—just straightforward benefits and cost savings.
• Want to avoid additional charges: The card’s no late fee feature makes it a great choice for those who occasionally forget to make payments on time but still want to avoid the typical late payment charges.

Card Advantages

The Citi Simplicity® Card offers several notable advantages:

• Introductory 0% APR on Balance Transfers: The Citi Simplicity® Card offers a 0% introductory APR on balance transfers for up to 18 months, giving you significant time to pay off existing credit card debt without accumulating additional interest. This is especially helpful for individuals who are consolidating multiple debts or looking to reduce the cost of their debt.
• 0% Introductory APR on Purchases: New cardholders also benefit from 0% APR on purchases for up to 18 months, providing an interest-free period to make larger purchases and pay them off over time without incurring extra charges.
• No Annual Fee: The card comes with no annual fee, making it an affordable option for individuals looking to reduce their overall credit card costs.
• No Late Fees: One of the standout features of the Citi Simplicity® Card is the no late fee policy, which helps ensure that your payments are not penalized if you miss a due date. This feature can give cardholders peace of mind, especially if they occasionally struggle with making timely payments.
• No Penalty APR: Unlike many other credit cards, the Citi Simplicity® Card does not have a penalty APR, meaning your interest rate will not increase if you miss a payment or exceed your credit limit. This is a major advantage for those who want to avoid escalating interest rates due to occasional missed payments.
• No Foreign Transaction Fees: If you travel internationally, the Citi Simplicity® Card does not charge foreign transaction fees, making it a great option for cardholders who frequently make purchases abroad. This saves you additional costs when using the card internationally.

Additional Benefits

• Fraud Protection: Citi provides fraud protection to its cardholders, ensuring that any unauthorized chargesmade on your card will be investigated and resolved, helping to safeguard your finances.
• Access to Citi® Private Pass®: Citi cardholders have access to Citi® Private Pass®, which provides exclusive access to concert tickets, presale events, dining experiences, and other exclusive events.
• Easy Online Account Management: The Citi Simplicity® Card offers easy-to-use online account management tools, allowing you to track spending, make payments, and manage your balance easily from any device.