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Fortiva® Mastercard® Credit Card
Apply Now
On Fortiva's secure site
Rewards Rate
Up to a 3% Cash Back Reward
Simple Pre-Qualification
See if you qualify without hurting your credit score
Use It Anywhere
Unsecured Mastercard accepted by merchants worldwide
Card Network
Annual Fee
As low as $85
Credit Score Needed
Fair
Offer Details
  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward

  • Make contactless payments through Mobile Wallet

  • Periodic Credit Increase Reviews

  • Free access to your Vantage 3.0 score from Equifax†

  • Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

Fortiva® Mastercard® Credit Card Review

February 4, 2022

Who is the Fortiva® Mastercard® Credit Card for?


The Fortiva® Mastercard® Credit Card is an unsecured credit card for people with fair credit, which means there is no security deposit needed and you can get approved even with less than perfect credit. The card offers up to 3% cash back rewards which is very rare in its class, however, it comes at a cost. The card comes with an annual fee of $85 - $175 for the first year which drops to $29 - $49 from the second year on, but it is accompanied by a monthly fee of $7.25 - $12.50 at that point. Unlike a lot of other cards in this credit segment, the Fortiva® Mastercard® Credit Card does not charge any one-time fee prior to account opening.

Applicants can pre-qualify for a $1000 credit line without hurting their credit score. Cardholders get mobile account access with transaction alerts and free monthly online access to their VantageScore 3.0 credit scores from Equifax. The card issuer, The Bank of Missouri, regularly monitors credit card accounts and responsible credit use can help users get approved for a credit line increase over time.

Fortiva® Mastercard® Credit Card Highlights

  • One-time fee:$0
  • Credit limit: Up to $1000 by pre-qualifying via the provided link
  • Rewards Rate: Up to 3% cash back rewards
  • Annual fee: $85 - $175 for the 1st year, $29 - $49 thereafter
  • Monthly fee: $0 for the first year, $7.25 - $12.50 thereafter
  • Interest Rate: 29.99% Variable for Purchases, 32.99% for ATM Withdrawals and Balance Transfers

To conclude, the card has plenty to offer but the cost of owning one may throw some people off. Industry-standard features such as a cash back program, mobile account access, free monthly credit score from a major bureau, and worldwide acceptance make it an option worth considering. With responsible use, you'll be able to work your way towards a prime credit card.

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All content is written by editorial staff or writers engaged by the site, not by marketers/sales staff. Editors responsible for producing the content are not in contact or affiliated with any advertiser and are not compensated based on success of the affiliate links. All decisions regarding recommendations are determined separately from advertising relationships. Any opinions, analyses, reviews or recommendations expressed are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
Approval Odds
BestCreditCard calculates your approval odds by comparing your credit profile to other BestCreditCard members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Credit card issuers use a variety of different types of credit scores and criteria to make credit decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.