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FIT Mastercard®

in Personal Credit Cards from The Bank of Missouri

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FIT Mastercard®

Unaffiliated

in Personal Credit Cards from The Bank of Missouri

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Highlights
Highlights
Annual Fee $99
Purchase APR  (Variable APR) 29.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640

FIT Mastercard® Review

FIT Mastercard® is a credit card issued by The Bank of Missouri. 

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a minimum credit limit of Initial credit limit of $400 (subject to available credit).

If you're wondering whether FIT Mastercard® is the right card for you, read on. This is everything you need to know to make a good choice.
Pros & Cons of FIT Mastercard®
The Good The Bad
  • Considers applicants with fair or poor credit.
  • FIT Mastercard® reports to multiple credit bureaus.
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of $99.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.
  • High interest rates
  • High annual fee
  • Is there a FIT Mastercard® cash back or rewards program?

    No, FIT Mastercard® does not offer a rewards program.

    FIT Mastercard® Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the relevant APRs for FIT Mastercard®?

    According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. FIT Mastercard® has higher than average purchase APRs.

    FIT Mastercard® has a variable purchase APR of 29.99%. It also has a variable cash advance APR of 29.99% .

    Does FIT Mastercard® have an introductory APR offer?

    FIT Mastercard® does not offer an introductory rate on new purchases.
    FIT Mastercard® Balance Transfers
    Description
    Balance Transfer APR N/A
    Introductory Rate N/A
    Intro APR period (months) N/A
    FIT Mastercard® Rates & Terms
    Description
    Balance Computation average daily balance (including new purchases)
    Purchase APR 29.99%
    Credit Limit Initial credit limit of $400 (subject to available credit)
    Penalty APR N/A
    Cash Advance APR 29.99%
    Security Deposit N/A
    Introductory Rate N/A
    Intro APR period (months) N/A

    What are the FIT Mastercard® fees?

    The following fees apply to FIT Mastercard®:

    FIT Mastercard® Fees
    Fees Amount
    Annual Fee $99 (Annual fees vary by year)
    Foreign Transaction Fee 3%
    Returned Payment Fee $39
    Late Payment Fee $39

    Does FIT Mastercard® have a foreign transaction fee?

    FIT Mastercard® charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

    Does FIT Mastercard® report your account activity to credit bureaus?

    FIT Mastercard® reports your account activity to the following credit reporting agencies:

    • Equifax
    • Experian
    • Transunion

    Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.

    How to apply for FIT Mastercard®

    • Visit the FIT Mastercard® website.
    • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
    • Check the information is accurate and submit your application.
    • If you're denied click here to find out why your application may have been rejected and what you can do about it.

    If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

    FIT MASTERCARD® Disclosure: Maintenance fee of $75.00 annually (billed at $6.25 per month). Monthly maintenance fee not billed for the first 12 months your account is opened. FIT Mastercard® charges a foreign transaction fee of 3% of each transaction in U.S. dollars. Purchase and cash advance: 29.99% This APR will vary with the market based on the Prime Rate. See Terms for more details on annual fee.
    SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

    Contact

    • Headquarters
    •   The Bank of Missouri
      PO Box 85710
      Sioux Falls, SD 57118
    •   Visit Site

    About FIT Mastercard®

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    View all personal credit cards offered by The Bank of Missouri

    Availability

    Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
      Available in 50 states and Washington, D.C.
    • Alabama
    • Alaska
    • Arizona
    • Arkansas
    • California
    • Colorado
    • Connecticut
    • Delaware
    • Washington, DC
    • Florida
    • Georgia
    • Hawaii
    • Idaho
    • Illinois
    • Indiana
    • Iowa
    • Kansas
    • Kentucky
    • Louisiana
    • Maine
    • Maryland
    • Massachusetts
    • Michigan
    • Minnesota
    • Mississippi
    • Missouri
    • Montana
    • Nebraska
    • Nevada
    • New Hampshire
    • New Jersey
    • New Mexico
    • New York
    • North Carolina
    • North Dakota
    • Ohio
    • Oklahoma
    • Oregon
    • Pennsylvania
    • Rhode Island
    • South Carolina
    • South Dakota
    • Tennessee
    • Texas
    • Utah
    • Vermont
    • Virginia
    • Washington
    • West Virginia
    • Wisconsin
    • Wyoming

    Feature Breakdown

    No Interest Grace Period for Late Payment 25
    Annual Fee $99
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $5
    Foreign Currency Transaction Fee 3%
    Late Fee Amount $39
    Returned Payment Fee $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Bad Credit
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Cash Advance APR (Variable APR) 29.99%
    Purchase APR (Variable APR) 29.99%
    Balance Computation average daily balance (including new purchases)
    Credit Limit Initial credit limit of $400 (subject to available credit)

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    Balance Transfer APR

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    5 total votes
    Annual Fee $75 Annual Fee
    Purchase APR 34.99% Variable APR
    Balance Transfer APR N/A Balance Transfer APR
    Credit Score Range 300 - 640     300 850