You can apply and get approved for a FIT® Platinum Mastercard® with a 300+ score and limited credit history. That means that even if you have less than 3 years of credit history, you might still qualify. Continental Finance takes other key data points into account with every new application, so your income and income to debt ratio will also play a determining role in your odds.

You can use your FIT® Platinum Mastercard® anywhere in the U.S. and the rest of the world where merchants accept Mastercard. Online and in-person shopping is possible as well. The card doesn’t charge a foreign transaction fee during your first year of membership, but charges a 3% starting the second year.

You can increase your FIT® Platinum Mastercard® credit limit by making on-time payments and keeping your credit utilization low. Continental Finance will review your profile and may double your line within 6 months of use. You can also call customer service at (866) 449-4514.