The Continental Finance Fit Mastercard is a secured line of credit credit card offered by Continental Finance.
This card is an excellent option for individuals who are looking to build or rebuild their credit or for those who may not have access to traditional credit cards due to limited or negative credit history.
While the card does not offer major benefits like rewards programs or cashback, it stands out for its ease of approval and regular credit activity reporting to major credit bureaus, which can be helpful for those aiming to improve their credit score.
Is This Card the Best Option for You?
The Continental Finance Fit Mastercard could be the ideal choice if you’re looking for a way to build or restore your credit. This card is particularly advantageous for:
- Individuals trying to improve their credit: The Continental Finance Fit Mastercard can be an excellent tool for those looking to rebuild their credit history. Responsible usage and timely payments can help boost your credit score over time.
- People with limited or poor credit history: If you have limited or negative credit, it may be easier to get approved for this card compared to other traditional options.
- Those seeking an easy approval process: This card offers more accessible approval without requiring an excellent credit score.
- Anyone needing a card for daily purchases: Although it does not offer substantial benefits like cashback or rewards, it can be used for everyday purchases and help increase your credit limit over time.
Negative Aspects to Consider
While the Continental Finance Fit Mastercard is a good option for rebuilding credit, there are some downsides to consider before applying for the card:
- High fees: This card charges several fees that can make it more costly. In addition to the annual fee, there may be maintenance fees and foreign transaction fees.
- Annual fee: The Continental Finance Fit Mastercard has an annual fee of $75 for the first year, which could be a drawback for those not interested in paying an additional fee. After the first year, the annual fee may be reduced to $48.
- No rewards benefits: Unlike many other credit cards, the Continental Finance Fit Mastercard does not offer cashback or rewards programs, making it less appealing for those seeking extra perks on purchases.
- Low initial credit limit: The card’s credit limit usually starts at $300, and it can be challenging to increase this limit without maintaining a good payment history.
These points are important to consider, especially for individuals seeking more robust financial benefits in exchange for using a credit card.
Requirements to Apply for the Credit Card
To apply for the Continental Finance Fit Mastercard, you must meet the following requirements:
- Be over 18 years old: You need to be at least 18 years old to apply for this card.
- U.S. residency: The card is only available to U.S. residents.
- Limited or poor credit score: The card is ideal for those with bad or limited credit since it is designed to help build credit.
- Proof of identity and income: To process your application, Continental Finance may require you to provide details such as your Social Security Number and information about your monthly income.
After completing the online application, you will receive a quick response regarding approval. If approved, the card will be mailed to your address.

Application Tracking
After applying for the Continental Finance Fit Mastercard, you can track the status of your request. Follow these steps:
- Processing: The application processing typically takes a few days. If approved, you will receive your card within 14 business days.
- Online tracking: Log in to your account on the Continental Finance website to check your application status and obtain details about your card’s shipment.
- Email notification: Continental Finance will also send a confirmation email once your card has been shipped.
Associated Costs
The Continental Finance Fit Mastercard comes with some associated costs that you should consider before applying:
- Annual fee: The card charges an annual fee of $75 for the first year, reduced to $48 in subsequent years.
- Foreign transaction fees: The card imposes a 3% fee on transactions made outside the United States.
- Late payment fee: If you fail to pay your bill by the due date, a late payment fee of up to $40 may apply.
- Minimum payment fee: If you pay less than the minimum required amount, an additional fee of up to $40 may be charged.
These fees can increase the cost of using the card, making it a more expensive option if not used responsibly.
Frequently Asked Questions About the Credit Card

- Can I use the Continental Finance Fit Mastercard anywhere?
Yes, since it is a Mastercard, you can use it anywhere that accepts the Mastercard brand, both in the United States and internationally. - What is the card’s initial credit limit?
The initial credit limit for the Continental Finance Fit Mastercard typically starts at $300 but may increase after a period of responsible use and timely payments. - Does the card offer rewards?
No, the Continental Finance Fit Mastercard does not offer cashback, rewards, or points. It is focused on helping users build or improve their credit. - Does the card include any insurance or protection?
The card offers some standard Mastercard benefits, such as fraud protection and a suspicious transaction alert system, but it does not include additional travel or purchase insurance.
Contact Information for the Card Issuer
If you need assistance or have questions about your Continental Finance Fit Mastercard, you can contact Continental Finance through the following methods:
- Phone: Call 1-866-449-4514 for customer service.
- Website: Visit the Continental Finance website at www.continentalfinance.net for more information and support.
- Mail service: For mail inquiries, you can send your questions to the following address:
Continental Finance
P.O. Box 105555
Atlanta, GA 30348
Conclusion
The Continental Finance Fit Mastercard is an excellent option for those looking to build or restore their credit.
With its ease of approval and credit activity reporting to major bureaus, it can be a valuable tool for improving credit scores.
However, the annual fees and other associated costs may make the card more expensive to use, which is an important factor to consider.
If you’re willing to pay these fees to rebuild your credit, the Continental Finance Fit Mastercard could be a beneficial choice.