You’ve already read about the major perks of the Fit Mastercard. Now, let’s go deeper. This unsecured credit card is one of the most accessible tools for building credit fast, but approval isn’t guaranteed unless you understand how it works under the hood. In this extended guide, we’ll cover lesser-known benefits, the exact requirements to apply, a full FAQ, and expert-level tips to increase your approval odds—even if you have a sub-550 credit score.
More Hidden Advantages of the Fit Mastercard
Soft Pull Prequalification with No Credit Impact
One unique feature that many overlook is the soft inquiry prequalification process. Before you formally apply, the issuer allows you to check if you’re likely to be approved without affecting your credit score. This is especially useful for people monitoring their score closely while rebuilding.
Free Access to Your Credit Score
After activation, Fit Mastercard provides free monthly credit score access through its online dashboard. While not all credit cards in the subprime market offer this, it’s a valuable tool for monitoring progress and identifying errors that could hurt your profile.
Potential to Graduate to Better Products
While not widely advertised, users who show responsible usage over 12+ months have been targeted with offers to upgrade or migrate to better financial products with lower APRs. Though not guaranteed, this internal path makes the card more than a temporary fix.
Fully Mobile-Responsive Dashboard
Unlike many traditional cards targeted at bad credit, Fit offers a modern, mobile-friendly dashboard where you can monitor balances, set alerts, and track payment history in real time—great for staying on top of your utilization rate and avoiding late fees.
Minimum Requirements to Apply for the Fit Mastercard
Here’s what you’ll need to increase your odds of approval:
- Be at least 18 years old (19 in some states)
- Have a verifiable U.S. address (PO boxes not accepted)
- Provide a valid Social Security number
- Have a checking account in good standing
- Have monthly income of at least $1,200 (can be from employment, benefits, or verified self-employment)
- No open bankruptcies in the past 6 months
FAQ – Fit Mastercard Most Frequently Asked Questions
Does the Fit Mastercard help improve credit score?
Yes, by reporting monthly to Equifax, Experian, and TransUnion, the card directly contributes to your payment history and utilization ratio—two major components of your credit score.
Can I apply if I have bad credit or no credit?
Absolutely. Fit Mastercard is specifically designed for individuals with fair, poor, or limited credit histories. A prior default doesn’t automatically disqualify you.
Is there an annual fee?
Yes, there’s a $99 annual fee, charged at $8.25 per month after the first year. This should be factored into your budgeting strategy.
Will applying hurt my credit score?
No, not during the prequalification process. A hard inquiry only happens if you decide to complete the full application after pre-approval.
How long does it take to receive the card?
Most applicants receive their Fit Mastercard within 7 to 10 business days after approval.
Step-by-Step: How to Apply for the Fit Mastercard
- Visit the official application site or a trusted partner link with promotional terms.
- Fill out the prequalification form with basic information: name, address, SSN, and income.
- Review your offer. If approved, you’ll be shown your initial limit and terms.
- Submit full application (this triggers a hard credit inquiry).
- Wait for confirmation via email or mail. You’ll receive instructions to activate the card upon arrival.
Pro Tips to Boost Your Approval Odds Instantly
Use a Consistent Address and Bank Account
The underwriting system flags inconsistencies. Make sure your application address matches your bank and employment details to avoid unnecessary denials.
Reduce Outstanding Balances First
If your credit utilization is above 70%, consider paying down existing balances first. Applicants with some open credit room are seen as lower risk, even with low scores.
Apply During Business Hours
Applications submitted during weekday business hours are sometimes reviewed by human analysts if the system returns a borderline decision. This can improve approval odds.
Set Up Auto-Pay After Approval
Many users don’t know that enabling auto-pay from the start can positively influence internal scoring metrics, which may lead to faster limit increases down the road.
