Is FIT™ Platinum Mastercard® the right fit for you?

1 more

Last Updated: 04/10/2026

FIT™ Platinum Mastercard®

from The Bank of Missouri

Last Updated: 04/10/2026

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Strongly recommended13 total votes

9 users recommend

4 users are unsure

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Highlights

Community Rating

Strongly recommended

Purchase APR (Fixed APR)

35.90%(Verified 04/10/2026)

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Balance Transfer APR (Fixed APR)

35.9%(Verified 04/10/2026)

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Credit Score Range

300 - 640

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Annual Fee

$99

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Number of Reviews

FIT™ Platinum Mastercard® Review

This is a card issued by Continental Finance. If you're wondering whether FIT™ Platinum Mastercard® is the right card for you, read on.

Key Takeaways

$95 introductory fee. If approved, you must pay a $95 fee to open your account.
APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 35.90%
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of FIT Platinum Mastercard

The Good

The Bad

All credit types welcome to apply
Monthly reporting to the three major credit bureaus.
Considers applicants with fair credit.
FIT™ Platinum Mastercard® reports to multiple credit bureaus.

High interest rates
High annual fee
Higher than average purchase APRs.
Charges an annual fee of $99
(Annual fees vary by year)
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 3%.
You don't earn rewards on every purchase.

FIT Platinum Mastercard FAQ

Does FIT Platinum Mastercard have a cash back or rewards program?

No, it does not offer a rewards program.

FIT Platinum Mastercard Rewards Breakdown

Description

How do people rate the customer service and user experience of FIT Platinum Mastercard?

Overall, FIT Platinum Mastercard is strongly recommended based on community reviews that rate customer service and user experience.

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

Yes, FIT™ Platinum Mastercard® reports to the following credit bureaus:

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 may help build your credit.

Does The Bank of Missouri perform a hard credit pull?

Yes, FIT Platinum Mastercard performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for FIT Platinum Mastercard

Visit the website of FIT Platinum Mastercard.
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 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™ Platinum 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...

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.

Contact

Headquarters

The Bank of Missouri

PO Box 85710

Sioux Falls, SD 57118

(800) 556-5678

Visit Site

Email Support

Hours of Operation

Sunday

Closed

Monday

9:00AM - 5:00PM

Tuesday

9:00AM - 5:00PM

Wednesday

9:00AM - 5:00PM

Thursday

9:00AM - 5:00PM

Friday

9:00AM - 5:00PM

Saturday

Closed

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SuperMoney Net Recommendation Score

SuperMoney users strongly recommend this product, giving it a user recommendation score of +69, or 4.4 on a 5-point rating scale.

+69

-1000+100

No one recommends

Everyone recommends

The recommendation score reflects customer satisfaction with a provider. A score of +100 means every customer recommends the provider, while -100 means none of them do. These scores are based entirely on community member votes and are not influenced by partner compensation. SuperMoney removes fake reviews when detected.

FIT™ Platinum Mastercard® Community Reviews

Would you recommend FIT™ Platinum Mastercard® to your friends?

Barbara T.

Dec 4, 2023

May or may not recommend

Awesome card would do it all over again for my kids

Anonymous

Nov 26, 2023

May or may not recommend

Great card great incentives cash back low rates great for rebuilding credit

Louis M.

Mar 3, 2022

May or may not recommend

They consider even people with low credit scores but the charges are high. I feel like someone can get better options.

Kayla P.

Feb 25, 2022

May or may not recommend

Awesome credit card option for those with low credit scores trying to rebuild their credit. Friendly customer service as well!

Bonnie M.

Feb 24, 2022

May or may not recommend

This card is a good start for building credit. Yes the upfront fee sucks but what do you expect? I got a 400 credit limit and was able to get a card for my wife to let her piggyback and boost her credit also. It's good for what it's good for. Just keep it paid and there are no issues.

Jas T.

Jan 31, 2022

May or may not recommend

For first time credit builders, please get this card. It’s annual rate is reasonable compared to others and they were able to start me off when my score was below 600. Just keep up to date with subscriptions and your spending limit.

Robyn F.

Jan 12, 2022

May or may not recommend

If you have a low credit score, then this card is for you. If not, I wouldn’t get this card since the interest rates are so high.

Naomi C.

Aug 27, 2021

May or may not recommend

If you travel a lot, you should avoid using this card. But for people who have low/bad credit scores, it is the best and fastest option available

Ava B.

Jun 28, 2021

May or may not recommend

If you're someone with poor credit score I would definitely suggest this card because they do consider those applicants. Not only do they take into consider those with poor score but they also accept all credit types to apply.

P N.

Jun 25, 2021

May or may not recommend

FIT Mastercard Personal Credit Cards are great if you have a low credit score, you will get approved if your credit score is between 300-640 this card has helped me build my credit.

Shane T.

Jun 10, 2021

May or may not recommend

Fit MasterCard Fit MasterCard was brought to you by Bank Of Missouri. There are some highlights they are as follows, 1.- community rating (not determined) 2.- purchase APR 29.99% 3.- balance transfer APR N/A 4.- credit range 300 - 640 5.- annual fee $99.00 , This card is a great card for people with bad credit.. But there are some key take a ways. 1.- High APRS. 2.- charges foreign transaction fees 3.- Poor credit accepted. hours of operation. Sat ...Show More

Layla D.

Apr 23, 2021

May or may not recommend

This luxury card is amazing! I use it for all my major purchases. I love how they give a reward on every purchase I make using this card. This card is my most trusted shopping companion.

Prodigee C.

Oct 23, 2020

May or may not recommend

FIT gives new and existing customers rewards for using their cards to make payments in stores. It’s the preferred card I’d present to swipe at the counter because I know they are dependable. Also, I like their payment flexibility and excellent customer service.

Showing 13 of 13 reviews