Fortiva® Mastercard®: Designed for the Way You Live
- Annual fee
- $49 to $175 the first year; up to $49 thereafter
- Recommended credit
- Fair / Poor
- Card network
- Mastercard
- Regular purchase APR
- *See Terms
At a glance
The Fortiva® Mastercard® Credit Card fees and APR are very high, but for those who cannot afford the upfront cost of a security deposit, this card can serve as a short-term solution for beginning the journey of rebuilding credit.
Our review of the Fortiva® Mastercard®
The Fortiva® Mastercard® is an unsecured credit card for bad credit from the Bank of Missouri. With a generous initial credit limit, monthly credit reporting, and Mastercard protections, this card is a great tool for building a positive credit history.
Who Can Benefit from the Fortiva Mastercard?
The Fortiva® Mastercard® Credit Card is ideal for individuals looking to build or rebuild their credit. If you have limited credit history or have faced financial challenges in the past, this card could be a good fit for you.
Eligibility
To qualify for the Fortiva® Mastercard® Credit Card, you must:
- Be at least 18 years old
- Have a valid Social Security Number
- Have a physical U.S. postal address (not a PO Box)
Application Process
Applying for the Fortiva® Mastercard® Credit Card is simple and can be done online. You will need to provide information about your employment status, income, and monthly housing payment. Fortiva® will review your application and determine your eligibility. If approved, your card will arrive in the mail in a few business days. Activate it online or over the phone.
Credit Building Benefits
The Fortiva® Mastercard® is designed to help you build credit. With monthly reporting to all three major credit bureaus, free access to your VantageScore 3.0, and opportunities for credit limit increases, this card can assist you in improving your credit score over time.
Other Card Benefits
- Instant credit decision
- Account access via the Fortiva mobile app
- Contactless payments with Apple Pay, Samsung Pay, and Google Pay
Mastercard Benefits
As a Mastercard product, this card also offers:
- Zero Liability Protection
- Mastercard Global Services
- ID Theft Protection
What We Like About Fortiva
- Complimentary Credit Score Access
- Credit Increase Opportunities
- Credit Tools
Things to Consider
- Fees: Annual fee ranges from $49 to $175 the first year, with an account maintenance fee starting at $60.
- No Rewards: This card is focused on credit-building and does not offer rewards.
Should You Apply for the Fortiva® Mastercard® Credit Card?
If you are looking to improve your credit and are willing to pay the associated fees, the Fortiva® Mastercard® Credit Card could be a valuable tool. Responsible use of this card can help you boost your credit score and open up more financial opportunities in the future.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- Free VantageScore 3.0 (provided by Equifax)
- Reports to all three major credit bureaus
- Mobile app available in Apple Store and Google Play
- $0 fraud liability
- Must receive mail offer in order to apply
Who this card may suit
- You have been denied for secured cards from both major and local card issuers
- You have less than $100 disposable income
- You cannot spare cash to use as a secured card security deposit
- You will pay your balance in full every month
- You're looking for a short-term credit card to use to increase your overall credit limit
Rates, fees and terms
| Annual Fee | $49 to $175 the first year; up to $49 thereafter |
|---|---|
| Regular Purchase APR | *See Terms |
| Balance Transfer APR | *See Terms |
| Balance Transfer Transaction Fee | 3% of the amount of each transfer after the first year |
| Cash Advance APR | *See Terms |
| Cash Advance Transaction Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars. |
| Late Payment Penalty Fee | Up to $40 |
| Return Payment Penalty Fee | Up to $40 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Fair Credit Poor Credit.
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Fortiva® Mastercard®
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