Unfortunately, FIT Credit Card doesn't allow you the option to apply with a co-applicant. If you want to be able to use your new credit card with another person, you can always add an authorized user. If you decide to add an authorized user, you need to be very careful. You will still be solely responsible for your FIT card account, and should the authorized user use the card irresponsibly, this will reflect poorly on your credit score. It's also important to note that you will need to pay a one-time additional card fee of $30.00 if you want to add an authorized user.