Fit Platinum Mastercard: Improve Your Credit Score

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Key takeaways

The FIT Mastercard is designed to help individuals build or rebuild their credit.
It offers features like no security deposit, monthly credit bureau reporting, and the ability to double your credit limit in six months.
Despite its benefits, users should be mindful of the associated fees and high APR.

Are you in the market for a new credit card? Do you want a card that will help you build or rebuild your credit? Consider the FIT Platinum Mastercard. With its quick and easy application process and monthly reporting to the credit bureaus, this card is designed to help people with bad credit improve their scores.

The FIT Platinum Mastercard is an unsecured card, so it does not require a security deposit, and as a Mastercard, you’ll be able to use it almost anywhere. It also comes with a solid initial credit line for a subprime card, the ability to double your credit limit after only six months, and free monthly credit scores. Additionally, it offers the convenience and acceptance of a Mastercard, making it a practical choice for everyday use. There’s certainly a lot to like about the FIT Platinum Mastercard.

Let’s take a look at the FIT Platinum Mastercard and see if it’s a fit for your wallet.

What we like about FIT Platinum Mastercard

Improve your credit score

The FIT Platinum Mastercard is specifically designed to help individuals build or rebuild their credit. It achieves this by reporting your monthly payments to all three major credit bureaus: TransUnion, Equifax, and Experian. By doing so, it ensures that your responsible credit behavior is recognized across the board.

To maximize the benefits of this card, it’s crucial to use it responsibly. This means paying your bills on time each month and keeping your credit utilization ratio below 30%. Consistently following these practices can demonstrate positive credit behavior, which in turn can lead to significant improvements in your credit score.

Over time, you’ll likely see a noticeable increase in your credit rating, opening up more financial opportunities and better interest rates. The FIT Platinum Mastercard not only provides the tools necessary to improve your credit score but also encourages financial discipline and healthy credit habits.

No credit? No problem!

The FIT Platinum Mastercard is an ideal solution for those who are just starting to build their credit or those who have had credit challenges in the past. Unlike many other credit cards that may require a good credit history for approval, the FIT Platinum Mastercard will consider your application regardless of your current credit score. This card is specifically designed for individuals with credit scores in the 500 range, making it accessible to a broader range of applicants.

Its primary aim is to help you improve your credit score by providing a manageable and accessible credit option. By not turning down applicants solely based on their credit history, the FIT Platinum Mastercard offers a unique opportunity to rebuild and strengthen your financial standing. With consistent and responsible use, this card can be a valuable tool in your journey towards better credit, opening doors to improved financial opportunities in the future.

Double your credit limit

The FIT Platinum Mastercard provides a generous starting point with an initial credit limit of up to $400. One of the standout features of this card is the opportunity to double your credit limit after just six months of responsible use. To qualify for this increase, you simply need to pay your bills on time each month.

By demonstrating your ability to manage your credit responsibly, you can benefit from a higher credit limit, which not only allows for more spending flexibility but also helps you maintain a low credit utilization ratio. Keeping your credit utilization ratio below 30% is crucial for improving your credit score, as it shows that you are not over-relying on credit.

With a higher credit limit, you can spread out your expenses more effectively, further contributing to a positive credit profile. The FIT Platinum Mastercard thus rewards responsible financial behavior, making it a valuable tool for anyone looking to enhance their creditworthiness.

Awesome Card

“Awesome credit card option for those with low credit scores trying to rebuild their credit. Friendly customer service as well!” Kayla, Supermoney Review

Get your free credit score

When you sign up for e-statements with the FIT Platinum Mastercard, you will receive your Vantage 3.0 credit score from Experian on a monthly basis, completely free of charge. This valuable feature allows you to keep a close eye on your credit progress and see firsthand how the FIT Platinum Mastercard is helping you improve your rating.

By receiving regular updates without the need for a hard credit check, you can monitor changes to your credit profile without negatively impacting your score. This proactive approach empowers you to make informed financial decisions and take immediate action if you notice any discrepancies or areas for improvement.

Additionally, tracking your credit score over time can provide motivation and a sense of accomplishment as you witness your score rise due to your responsible financial behavior. With the FIT Platinum Mastercard, staying informed about your credit status has never been easier or more convenient.

Enjoy easy online access

With the FIT Platinum Mastercard, managing your account is both simple and convenient thanks to its easy online access and mobile app. Whether you’re at home, at work, or on the go, you can effortlessly view your transactions, pay bills, and monitor your credit activity from anywhere. The user-friendly online portal and mobile app provide a seamless way to stay on top of your financial obligations, ensuring you never miss a payment and always have a clear picture of your spending. This level of accessibility helps you stay organized and in control of your finances, allowing you to track your progress as you work towards improving your credit score.

The FIT Platinum Mastercard’s robust online tools are designed to support your financial health by offering real-time insights and easy account management. Enjoy the peace of mind that comes with having your financial information at your fingertips, empowering you to make informed decisions and maintain good financial habits.

Credit card fraud protection

FIT Platinum is backed by Mastercard and so offers robust security measures to protect your financial well-being. One of the key features is advanced fraud detection technology, which continuously monitors your account for suspicious activity. If any unusual transactions are detected, you will be notified promptly, ensuring that potential issues are addressed immediately.

In addition, Mastercard provides zero liability protection, which means you are not held responsible for unauthorized charges if your card is lost, stolen, or used fraudulently. This comprehensive fraud protection ensures that you can use your FIT Platinum Mastercard with confidence, knowing that your finances are safeguarded against potential threats.

Whether you’re shopping online or making purchases in-store, you can enjoy peace of mind knowing that Mastercard’s security measures are working diligently to protect you. This level of protection not only enhances your security but also provides a stress-free experience, allowing you to focus on building your credit and achieving your financial goals without worrying about fraud.

Mastercard: Accepted worldwide

The FIT Platinum Mastercard stands out as a versatile financial tool that offers global acceptance, unlike store cards limited to specific retailers. As a Mastercard, you can use it at thousands of locations worldwide, whether shopping online, in-store, or through mobile apps. This extensive acceptance makes it convenient for everyday purchases, travel expenses, and online shopping, giving you the flexibility to use your card wherever Mastercard is accepted.

By using the FIT Platinum Mastercard regularly and responsibly, you can build your credit history on a global scale. This broad usability ensures that you can manage your finances efficiently, no matter where you are. Whether you’re dining out, booking a hotel, or purchasing essentials, the FIT Platinum Mastercard is your reliable companion. Building your credit has never been more convenient with a card that offers such widespread acceptance, enabling you to improve your credit score while enjoying the benefits of global accessibility.

Apply today, start using tomorrow

Getting started with the FIT Platinum Mastercard is a quick and straightforward process. You can apply online and receive the results of your application within seconds. While the majority of applicants receive an immediate decision, there are instances where the card issuer may need to collect additional information to finalize their assessment. This additional review can take up to 30 days, but in most cases, you will receive a prompt reply.

Once approved, your new FIT Platinum Mastercard will be mailed to you within three business days, allowing you to start using it almost immediately. This expedited process means you can quickly begin to take advantage of the benefits and features offered by the FIT Platinum Mastercard.

Whether you need to make a purchase, pay a bill, or start building your credit, the fast and efficient application and delivery process ensures you won’t have to wait long to get started. Apply today and take the first step towards improving your credit with the FIT Platinum Mastercard.

Are you tired of being denied credit cards?

Find tips and tricks to help get your application approved!

What to watch out for with FIT Platinum Mastercard

FIT Platinum Mastercard’s fees

The FIT Platinum Mastercard has several associated fees designed to cover the costs of providing a credit-building service to consumers with poor to limited credit histories. The card comes with an annual fee of $99 and a one-time processing fee of $89. Additionally, there is a monthly maintenance fee of $6.25, although this fee is waived for the first year. It’s important to note that there are also fees for late payments, which can add up if you miss your due dates, and a foreign transaction fee of 3% if you use your card abroad.

While these fees may seem high, they are typical for credit cards targeting consumers with less-than-perfect credit. When considering the FIT Platinum Mastercard, it’s essential to weigh these costs against the potential benefits of building or rebuilding your credit. If managed responsibly, the card can be a valuable tool in improving your credit score, which can lead to better financial opportunities in the future. Evaluate your budget and financial goals to determine if the FIT Platinum Mastercard is a worthy investment for your credit journey.

Perfect for First Time Credit Builders

“For first time credit builders, please get this card. It’s annual rate is reasonable compared to others and they were able to start me off when my score was below 600. Just keep up to date with subscriptions and your spending limit.” Jas T, Supermoney Review

High APR

The FIT Platinum Mastercard carries a variable APR of 29.99%, which is relatively high, even among credit-builder credit cards. While this high APR can be daunting, it is manageable with disciplined financial practices. The key to avoiding interest charges is to always pay off your balance in full each month. By doing so, you can sidestep the impact of the high APR entirely.

Making all your payments in full and on time not only prevents you from incurring interest charges but also positively influences your credit score. Timely and complete payments demonstrate responsible credit behavior to the credit bureaus, helping to build or rebuild your credit profile. Therefore, while the APR is high, it serves as an incentive to maintain good financial habits. By using the FIT Platinum Mastercard wisely, you can reap the benefits of credit improvement without the burden of high-interest costs, making it a valuable tool in your financial toolkit.

Bottom line

The FIT Platinum Mastercard is an excellent choice for individuals seeking to build or rebuild their credit. Its unsecured nature means you don’t need to make a deposit, making it accessible for many users. The card offers a substantial initial credit limit, with the opportunity to double your credit line after just six months of responsible use. Additionally, it reports your payment history to the major credit bureaus, which is crucial for improving your credit score.

However, the card does come with potential drawbacks, including various fees and a high APR. To mitigate these costs, it’s essential to pay off your balances on time, thereby avoiding interest charges and late fees. While the fees and high APR can be significant, they are typical for credit-builder cards aimed at consumers with limited or poor credit histories. Ultimately, it’s up to you to determine if the benefits of the FIT Platinum Mastercard outweigh its drawbacks. By using the card responsibly, you can take advantage of its credit-building features while minimizing the impact of its fees and high APR.

1. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions. Current is a financial technology company, not an FDIC-insured bank. FDIC insurance up to $250,000 only covers the failure of an FDIC-insured bank. Certain conditions must be satisfied for pass-through deposit insurance coverage to apply. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card issued by Choice Financial Group, and the Current Visa® secured charge card issued by Cross River Bank, are both pursuant to licenses from Visa U.S.A. Inc. and may be used everywhere Visa debit or credit cards are accepted. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

2. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group, Member FDIC, and Cross River Bank, Member FDIC. The Current Visa® Debit Card is issued by Choice Financial Group pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted. The Current Visa® secured charge card is issued by Cross River Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted. Please see the back of your Card for its issuing bank. Current Individual Account required to apply for the Current Visa® secured charge card. Independent approval required.

3. Individual results may vary. Using your credit card responsibly may allow you to improve your credit score. Credit building depends on various factors, including your payment history, credit utilization, length of credit history, and other financial activities.

4. Faster access to funds is based on comparison of traditional banking policies and deposit of paper checks from employers and government agencies versus deposits made electronically. Direct deposit and earlier availability of funds is subject to timing of payer’s submission of deposits.

5. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Funds held in Savings Pods are FDIC-insured on a pass-through basis up to $250,000 at our partner bank Choice Financial Group, member FDIC

6. Paycheck Advance is For eligible customers only. Your actual available Paycheck Advance amount will be displayed to you in the mobile app and may change from time to time. Conditions and eligibility may vary and are subject to change at any time, at the sole discretion of Finco Advance LLC, which offers this optional feature. Finco Advance LLC is a financial technology company, not a bank. Expedited disbursement of your Paycheck Advance is an optional feature that is subject to an Instant Access Fee and may not be available to all users. Expedited disbursements may take up to an hour. For more information, please refer to Paycheck Advance Terms and Conditions.

7. Actual overdraft amount may vary and is subject to change at any time, at Current’s sole discretion. In order to qualify and enroll in the Fee-Free Overdraft feature, you must receive $500 or more in Qualifying Deposits into your Current Account over the preceding 30-day period. For more information, please refer to Fee-free Overdraft Terms and Conditions.

8. You may earn Points in connection with your everyday spending and by completing other actions that Current designates as subject to the Current Points Program. The amount of Points granted for different actions as well as the purchase requirements necessary to earn Points will vary, and is subject to Current’s sole discretion. After qualifying, please allow 3-5 business days for points to post to your Current account. The Current Points program is not available to Teen Account holders. See Current Points Terms and Conditions.

9. Some fees may apply, including out of network ATM fees of $2.50 per transaction, late payment fees of 3% of any total due balance outstanding and past due for two or more billing cycles, foreign transaction fees of 3% of the full transaction amount (minimum $0.50), card replacement fees per card of $5 for regular delivery and $30 for expedited delivery, cash deposit fees of $3.50 per deposit, and third party processing fees.

10. Boost Bonuses are credited to your Savings Pods within 48 hours of enabling the Boost feature and on a daily basis thereafter, provided that the Savings Pod has accrued a Boost Bonus of at least $0.01. The Boost rate on Savings Pods is variable and may change at any time. The disclosed rate is effective as of August 1, 2023. Must have $0.01 in Savings Pods to earn a Boost rate of either 0.25% or 4.00% annually on the portion of balances up to $2000 per Savings Pod, up to $6000 total. The remaining balance earns 0.00%. A qualifying direct deposit of $200 or more is required for 4.00%. No minimum balance required. For more information, please refer to Current Boost Terms and Conditions.

11. Cryptocurrency services are powered by Zero Hash LLC and Zero Hash Liquidity Services LLC, and may not be available in all states. Terms and conditions apply. When you buy or sell cryptocurrency, a difference between the current market price and the price you buy or sell that asset for is called a spread. However, unlike most other exchanges Current does not charge an additional trading fee. Cryptocurrency transactions are a form of investment, and all investments are subject to investment risks, including possible loss of the principal amount invested. Cryptocurrency is not insured by the FDIC or any other government-backed or third-party insurance. Your purchase of cryptocurrency is not a deposit or other obligation of, or guaranteed by, Choice Financial Group or Cross River Bank. The cryptocurrency assets in your Zero Hash account are not held at Current, Choice Financial Group, or Cross River Bank. Current, Choice Financial Group, and Cross River Bank are not responsible for the cryptocurrency assets held in any Zero Hash account. Neither Current, Choice, nor Cross River Bank is involved in the purchase, sale, exchange of fiat funds for cryptocurrency, or custody of the cryptocurrencies. Terms and Conditions apply (platform and user agreements). Crypto on Current is not currently available in HI. Licensed to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. This does not constitute investment advice.

12. Current is a financial technology company, not a bank. Banking services provided by Choice Financial Group. Your money is FDIC-insured on a pass-through basis up to $250,000 at each of our partner banks, Choice Financial Group and Cross River Bank, members FDIC.

13. Average value based on Fine Hotels + Resorts bookings in 2023 for stays of two nights. Benefits include daily breakfast for two, room upgrade upon arrival when available, $100 amenity, guaranteed 4PM late checkout, and noon check-in when available. Certain room categories not eligible for upgrade. $100 amenity varies by property. Actual value will vary based on property, room rate, upgrade availability, and use of benefits.

14. Up to $500 per Covered Trip that is delayed for more than 6 hours; and 2 claims per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

15. The maximum benefit amount for Trip Cancellation and Interruption Insurance is $10,000 per Covered Trip and $20,000 per Eligible Card per 12 consecutive month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

16. Baggage Insurance Plan coverage can be in effect for Covered Persons for eligible lost, damaged, or stolen Baggage during their travel on a Common Carrier Vehicle (e.g. plane, train, ship, or bus) when the Entire Fare for a ticket for the trip (one- way or round-trip) is charged to an Eligible Card. Coverage can be provided for up to $2,000 for checked Baggage and up to a combined maximum of $3,000 for checked and carry-on baggage, in excess of coverage provided by the Common Carrier. The coverage is also subject to a $3,000 aggregate limit per Covered Trip. For New York State residents, there is a $2,000 per bag/suitcase limit for each Covered Person with a $10,000 aggregate maximum for all Covered Persons per Covered Trip. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

17. Car Rental Loss and Damage Insurance can provide coverage up to $75,000 for theft of or damage to most rental vehicles when you use your eligible Card to reserve and pay for the entire eligible vehicle rental and decline the collision damage waiver or similar option offered by the Commercial Car Rental Company. This product provides secondary coverage and does not include liability coverage. Not all vehicle types or rentals are covered. Geographic restrictions apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

18. Coverage for a Stolen or damaged Eligible Cellular Wireless Telephone is subject to the terms, conditions, exclusions, and limits of liability of this benefit. The maximum liability is $800, per claim, per Eligible Card Account. Each claim is subject to a $50 deductible. Coverage is limited to two (2) claims per Eligible Card Account per 12 month period. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by New Hampshire Insurance Company, an AIG Company.

19. When an American Express® Card Member charges a Covered Purchase to an Eligible Card, Extended Warranty§ can provide up to one extra year added to the Original Manufacturer’s Warranty. Applies to warranties of five (5) years or less. Coverage is up to the actual amount charged to your Card for the item up to a maximum of $10,000; not to exceed $50,000 per Card Member account per calendar year. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

20. Purchase Protection is an embedded benefit of your Card Membership and requires no enrollment. It can help protect Covered Purchases made on your Eligible Card when they’re accidentally damaged, stolen, or lost, for up to 90 days from the Covered Purchase date. The coverage is limited to up to $10,000 per occurrence, up to $50,000 per Card Member account per calendar year. Coverage Limits Apply. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by AMEX Assurance Company.

21. Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC.

22. The secured Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.

23. Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.

24. The Annual Percentage Yield (“APY”) for the Chime Savings Account is variable and may change at any time. The disclosed APY is effective as of September 20, 2023. No minimum balance required. Must have $0.01 in savings to earn interest.

25. There’s no fee for the Chime Savings Account. Cash withdrawal and Third-party fees may apply to Chime Checking Accounts. You must have a Chime Checking Account to open a Chime Savings Account.

26. To apply for Credit Builder, you must have received a single qualifying direct deposit of $200 or more to your Chime Checking Account. The qualifying direct deposit must be from your employer, payroll provider, gig economy payer, or benefits payer by Automated Clearing House (ACH) deposit OR Original Credit Transaction (OCT). Bank ACH transfers, Pay Anyone transfers, verification or trial deposits from financial institutions, peer to peer transfers from services such as PayPal, Cash App, or Venmo, mobile check deposits, cash loads or deposits, one-time direct deposits, such as tax refunds and other similar transactions, and any deposit to which Chime deems to not be a qualifying direct deposit are not qualifying direct deposits.

27. Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.

28. Based on a representative study conducted by Experian®, members who made their first purchase with Credit Builder between June 2020 and October 2020 observed an average FICO® Score 8 increase of 30 points after approximately 8 months. On-time payment history can have a positive impact on your credit score. Late payment may negatively impact your credit score.

29. On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Chime will report your activities to Transunion®, Experian®, and Equifax®. Impact on your credit may vary, as Credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.

30. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.

31. SpotMe® on Debit is an optional, no fee overdraft service attached to your Chime Checking Account. To qualify for the SpotMe on Debit service, you must receive $200 or more in qualifying direct deposits to your Chime Checking Account each month and have activated your Visa debit card. Qualifying members will be allowed to overdraw their Chime Checking Account for up to $20 on debit card purchases and cash withdrawals initially but may later be eligible for a higher limit of up to $200 or more based on Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. The SpotMe on Debit limit will be displayed within the Chime mobile app and is subject to change at any time, at Chime’s sole discretion. Although Chime does not charge any overdraft fees for SpotMe on Debit, there may be out-of-network or third-party fees associated with ATM transactions. SpotMe on Debit will not cover any non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. SpotMe on Debit Terms and Conditions.

32. Tipping or not tipping has no impact on your eligibility for SpotMe®.

33. Out-of-network ATM withdrawal fees may apply except at MoneyPass ATMs in a 7-Eleven, or any Allpoint or Visa Plus Alliance ATM.

34. Save When I Get Paid automatically transfers 10% of your direct deposits of $500 or more from your Checking Account into your savings account.

35. Round Ups automatically round up debit card purchases to the nearest dollar and transfer the round up from your Chime Checking Account to your savings account.

36. Mobile Check Deposit eligibility is determined by Chime in its sole discretion and may be granted based on various factors including, but not limited to, a member’s direct deposit enrollment status.

37. Funds are automatically debited from your Checking Account and typically deposited into the recipient’s Checking Account within seconds. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed.

38. Pay Anyone transactions will be monitored and may be held, delayed or blocked if the transfer could result in fraud or another form of financial harm. Sometimes instant transfers can be delayed. Non-Chime members must use a valid debit card to claim funds.

* EarnIn is not available for Connecticut residents

Rachel Alulis

Rachel Alulis has been the lead editor for Moneyfor’s credit cards team since 2015 and for the financial rewards team since 2023. Before joining Moneyfor, Rachel worked at USA Today and the Des Moines Register. She then established a successful freelance writing and editing business specializing in personal finance. Rachel holds a bachelor’s degree in journalism and an MBA.

Need Credit? Find Your Perfect Fit with FIT Mastercard

Key takeaways