FIT Mastercard®

in Personal Credit Cards from The Bank of Missouri

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FIT Mastercard®


in Personal Credit Cards from The Bank of Missouri

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

FIT Mastercard® Review

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

Key Takeaways
  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 29.99%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
FIT Mastercard® Pros & Cons
The Good The Bad
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus.
  • Considers applicants with fair or poor credit.
  • FIT Mastercard® reports to multiple credit bureaus.
  • High interest rates
  • High annual fee
  • 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.
FIT Mastercard® FAQ

Is there a FIT Mastercard® cash back or rewards program?

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

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 on balance transfers?

No, FIT Mastercard® does not come with an introductory APR offer for balance transfers.

Does FIT Mastercard® have an introductory APR offer on new purchases?

FIT Mastercard® does not offer an introductory rate on new purchases.
FIT Mastercard® Purchase Intro Offer
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for FIT Mastercard®?

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 up to $40
Late Payment Fee up to $40

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.

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: 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...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.


  • 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


  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 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) 5%
Foreign Currency Transaction Fee 3%
Annual Fee $99
Returned Payment Fee Up to $40
Additional Card Fee Amount $30
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) 29.99%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $0
Purchase APR (Variable APR) 29.99%

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