yourfitcard.com

What is YourFitCard.com / FIT Card

The website yourfitcard.com is the online portal tied to the FIT™ Platinum Mastercard® (often simply “FIT card”). (Your Fit Card)
The card is issued by The Bank of Missouri (under a licence from Mastercard) and the servicing is handled by Continental Finance Company, LLC. (FitCard Info)
It’s designed for people who may have “less than perfect” credit — so those who are building or rebuilding credit might consider it. (NerdWallet)

How It Works

Here are key operational details:

  • Application / approval: You apply through the site (or via links from it) and if approved you’ll receive the card. Then you must pay a “processing fee” before you activate it. (NerdWallet)

  • Credit limit: The reported starting credit limit is approximately US $400. (NerdWallet)

  • Reporting: The card reports to all three major credit bureaus (TransUnion, Equifax, Experian) — which is good if you’re building credit. (FitCard Info)

  • Online account access: There is an online portal for cardholders (via Continental Finance) where you can view statements, make payments, etc. (Continental Finance)

  • Fees & APR: This is where things get heavy (see section below).

What’s Good / Potential Upsides

  • If you’re low-credit or rebuilding, having a card that reports to all bureaus is a plus — you can demonstrate responsible use.

  • It’s an unsecured card (meaning no deposit required) which is more accessible than many secured cards. (NerdWallet)

  • The Mastercard network means it’s widely accepted (assuming you pay on time and follow terms).

What to Watch Out / Potential Downsides

  • Processing fee: Before activating you’re required to pay a processing fee (reported at around US $95) for the card. (NerdWallet)

  • Annual fee: In the first year the annual fee is reported at US $99, and then US $125 in subsequent years. (NerdWallet)

  • Maintenance fee: There’s also mention of a “maintenance fee” of US $150 (in some reporting) or roughly US $12.50/month after the first year. (NerdWallet)

  • APR / interest rate: The interest rate (for balances you don’t pay in full) is quite high; one report lists 35.9% APR. (NerdWallet)

  • Low effective credit limit: With a $400 credit limit and deducting the annual fee right away (as per the card terms) you’ve got much less usable credit, which raises credit utilization issues (bad for your credit score). (NerdWallet)

  • Limited upgrade path: The card reportedly doesn’t offer an easy path to upgrading to a better card with fewer fees. (NerdWallet)

Is It a Good Fit?

It really depends on your circumstances:

  • If your credit is very poor or you’ve been denied other options, this card could offer a route to start / rebuild, but only if you understand the cost and are committed to paying it off every month to avoid interest.

  • If you have some better alternatives (secured cards with lower fees, or cards targeted at rebuilders with more favourable terms), those might make more sense. For example, one review mentions the card’s “fees are outrageous” and suggests alternatives. (NerdWallet)

  • If paying off in full the balance every month is realistic for you, some of the other downsides (like APR) might matter less — but the fees still matter.

Practical Tips Before Applying

  • Read the full cardholder agreement (including disclaimers) before applying.

  • Make sure you can pay the processing fee and the annual fee without straining your budget.

  • Aim to pay the balance in full each month — avoiding interest at 30%+ APR is critical.

  • Track your credit utilisation; with a low limit, even spending modestly can raise your utilisation and hurt your credit.

  • Compare other cards for people with bad credit or rebuilding credit: secured cards, lower-fee options, cards with better upgrade paths.

  • Keep in mind that applying triggers a hard inquiry on your credit — which could temporarily lower your score.

  • If approved, promptly set up online account access (via Continental Finance) so you can monitor activity, payments, statements.

Key Takeaways

  • The FIT card (via yourfitcard.com) is an unsecured credit card for rebuilding credit, but comes with significant upfront and ongoing fees.

  • Its major benefit: reports to all three credit bureaus, accessible to those with weaker credit.

  • Major drawbacks: high processing fee, heavy annual/maintenance fees, high APR, low effective credit limit.

  • Worth it only if you are realistic about your ability to manage it and you’ve exhausted better alternatives with fewer costs.

FAQ

Q: Do I need to give a security deposit for the FIT card?
A: No. It is an unsecured card, meaning you don’t put up a deposit as collateral. (NerdWallet)

Q: What’s the processing fee and when do I pay it?
A: The processing fee is reported at around US $95. You must pay it (with another method) before you can activate the card. (NerdWallet)

Q: What’s the starting credit limit?
A: Reportedly about US $400 at account opening. (NerdWallet)

Q: Does this card help with credit building?
A: Yes — the card reports to all three major credit bureaus, so consistent on-time payments and responsible usage can help your credit profile. (FitCard Info)

Q: Are there better alternatives?
A: Possibly, yes. Reviews suggest that for a similar goal (rebuilding credit) there are cards with lower fees and better terms. For example, one alternative mentioned is a secured card with lower APR and no big annual fee. (NerdWallet)

Q: What happens if I carry a balance and don’t pay in full?
A: You’ll face high interest (e.g., ~35.9% APR) plus you’re paying many fees — so the cost of carrying a balance is high. (NerdWallet)

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