Fortiva^® Mastercard^® Credit Card Review

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 prequalify 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: See Terms
• Monthly fee: $0 for the first year, $7.25 - $12.50 thereafter
• Interest Rate: 29.99% OR 36% (Fixed) 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.