"No security deposit" sounds like the easier path when you have bad or limited credit — but unsecured cards for this credit tier typically make up the issuer's risk with higher fees instead of a deposit. Fit Mastercard and Reflex Mastercard, both marketed through Continental Finance, are two of the most-searched examples. Here's what each actually publishes.
Fit Mastercard vs. Reflex Mastercard, side by side
| Fit Mastercard | Reflex Mastercard | |
|---|---|---|
| Deposit | None (unsecured) | None (unsecured) |
| Issuing bank | The Bank of Missouri | Celtic Bank |
| Starting credit limit | $400 (published) | Varies by applicant |
| Account-opening fee | Processing fee applies | Not published on marketing page |
| Decision speed | Mostly instant | Mostly instant; card mails within 3 business days |
Both cards are part of the same Continental Finance-marketed family — which also includes Surge, Verve, Cerulean, and others — but each is issued through a different bank, which matters for who you'd contact for account servicing.
What neither card publishes upfront
Neither Fit nor Reflex lists an APR on its public marketing page as of August 2026. Both defer exact rates — and, for Fit, the exact processing-fee schedule beyond the $95 figure referenced on its site — to the Cardholder Agreement shown during the application flow. Read that agreement in full before accepting either card; annual, monthly, or program fees on cards in this segment can meaningfully reduce the credit you actually have available to spend.
Consider a secured card first if you can
If you have even a modest amount available for a deposit, a secured card is usually the stronger financial choice: the deposit typically buys a lower APR and lower ongoing fees than an unsecured bad-credit card, because it removes the issuer's default risk. See our best credit cards for bad credit 2026 guide for secured options compared side by side with their deposit requirements and fees.
The one thing that actually builds your score
Per CFPB consumer guidance, payment history accounts for 35% of a FICO score. Whichever card you choose — Fit, Reflex, or a secured alternative — the score improvement comes from on-time payments and low utilization, not from which specific card you're holding.
Compliance note
ClearValue Lending is not a bank, card issuer, or financial advisor. This is editorial content built from each card's own published disclosures. Fit Mastercard is issued by The Bank of Missouri; Reflex Mastercard is issued by Celtic Bank — both marketed through Continental Finance. Fees, APR, and credit limits change — verify current terms in each Cardholder Agreement before applying.