Whether you’re rebuilding or just starting your credit journey, the FIT Mastercard from The Bank of Missouri provides the essentials: a $400 initial credit limit, monthly credit bureau reporting, and robust fraud protection.
Getting started with the FIT Mastercard is fast, easy, and full of potential. With tools to help manage your account and track your progress, you’ll stay in control while working toward a better financial future.
Why This Card is for You?
The FIT Mastercard was built for people ready to take their credit seriously. With monthly reports sent to all three major credit bureaus — TransUnion, Equifax, and Experian — your good habits won’t go unnoticed.
Plus, you’ll enjoy peace of mind thanks to Mastercard Zero Liability Protection. That means you’re not held responsible for unauthorized charges.
Pros and Cons of the FIT Mastercard
Before making your decision, it’s important to consider the pros and cons:
Pros
- Initial credit limit of $400: Great starting point for building or rebuilding your credit.
- Monthly credit reporting: Payments are reported to all three major credit bureaus.
- Zero Liability Protection: You’re not held responsible for unauthorized charges.
Cons
- No rewards program: Doesn’t offer cashback or points for spending.
- No P.O. box allowed: Requires a physical address to apply.
How to Apply for Your FIT Mastercard
Applying online is quick and secure. You’ll need to provide basic personal details like your full name, social security number, and physical address (P.O. boxes aren’t accepted).
Most applicants get an instant decision. If more info is needed, the process can take up to 30 days — but once approved, your FIT Mastercard will be shipped within 3 business days.