YourFitCard.com: How to Use Your FIT Mastercard Offer
If you received a FIT Mastercard® offer in the mail directing you to YourFitCard.com, you can use the website to access and continue with the offer you received.
The process is straightforward. You will need the Reservation Number included with your offer and your Social Security Number to get started.
The FIT Mastercard® is an unsecured credit card marketed toward consumers with less-than-perfect credit. If you are considering the offer, it's important to review the credit limit, fees and other terms before deciding whether to accept it.
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What Is YourFitCard.com?
YourFitCard.com is the website used to access certain FIT Mastercard® offers. If you received a FIT offer in the mail, the website allows you to enter the information associated with that offer and continue with the application process.
The website identifies itself as a secure site and asks for your Reservation Number and Social Security Number.
How Do You Use a FIT Mastercard Offer?
If your mail offer directs you to YourFitCard.com, keep the offer available before you begin. Locate the Reservation Number printed on the offer.
Go to YourFitCard.com, enter your Reservation Number and enter your Social Security Number as requested. Follow the instructions on the website to continue with your offer.
The information you enter should match the information associated with the offer you received. After accessing the offer, review the terms presented to you before deciding whether to proceed.
What FIT Mastercard Offer Might You Receive?
One FIT offer currently available through this site is the FIT™ Platinum Mastercard®. The offer lists a $400 initial unsecured credit limit and is marketed toward consumers with fair, poor or bad credit.
The card does not require a security deposit. It also reports account activity monthly to the three major credit bureaus, according to the offer information.
The specific terms of your mail offer may vary, so review the information presented with your individual offer before applying.
Does the FIT Mastercard Have a Processing Fee?
Yes. According to the current FIT Mastercard® offer information, if you are approved, you must pay a $95 one-time processing fee to open the account.
The $95 processing fee is separate from the card's other terms and fees. Review the terms and conditions provided with your offer so you understand the costs associated with the account before accepting it.
Do You Have to Accept Your FIT Mastercard Offer?
No. Receiving a FIT Mastercard® offer does not require you to accept the card.
You can review the offer, including the credit limit, processing fee, annual fee, APR and other terms, and then decide whether the card fits your needs.
If you don't have a Reservation Number, or if you would rather apply through the regular online application, you can apply for the FIT™ Platinum Mastercard® online here.
YourFitCard.com: Final Thoughts
If you received a FIT Mastercard® offer directing you to YourFitCard.com, you'll need your Reservation Number and Social Security Number to get started. Enter the requested information and follow the instructions provided on the website.
The FIT™ Platinum Mastercard® is an unsecured card marketed toward consumers with less-than-perfect credit and lists a $400 initial credit limit. If approved, the current offer information states that a $95 one-time processing fee is required to open the account.
Before accepting the offer, review the complete terms and make sure you understand the credit limit, processing fee, annual fee, APR and other costs associated with the card.
If you used your FIT Card offer and were not approved, see our article Your FIT Card Pre-Approval Not Approved — What It Means to learn why this can happen and what options you have next.
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
- If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.
- CLICK HERE TO APPLY ONLINE
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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