This isn’t just another credit card—it’s a true opportunity for those working to rebuild their credit and regain control of their financial life.
Fortiva Mastercard: It brings together real-world benefits, easy account access, and meaningful rewards, making it an exciting tool for everyday spending and long-term credit growth.
What makes the Fortiva Mastercard truly special is its accessibility and support for individuals who may have struggled with credit in the past. There’s no need for a security deposit, and you can check your eligibility without impacting your credit score. Combine that with cash back rewards and credit bureau reporting, and you have a card that’s built for progress.
Fortiva
Credit Builder Boost Rebuild With ConfidenceBenefits
- 3% Cash Back on Gas
Driving just got more rewarding! Every time you stop to fuel up, you’ll earn 3% cash back. That means your regular commute or road trips now work in your favor, putting money back in your pocket with every gallon. - 3% Cash Back on Groceries
Make your grocery shopping smarter. With 3% back on all supermarket purchases, Fortiva helps you stretch every dollar while rewarding your everyday essentials. - 3% Cash Back on Utilities
Electricity, water, and even internet—your utility bills now earn you 3% cash back. It’s a great way to turn unavoidable monthly expenses into valuable savings. - 1% Cash Back on Everything Else
Whether you’re shopping online, paying for subscriptions, or grabbing lunch, you’ll earn 1% cash back on all other eligible purchases. Every dollar spent brings rewards. - Automatic Annual Statement Credit
No complicated redemptions here. Your earned rewards are applied automatically to your statement each anniversary year, making the process seamless and rewarding. - Zero Liability for Fraud
You’re protected. Fortiva includes zero liability for unauthorized charges, so if your card is lost or stolen, you’re not held responsible for fraudulent activity. - Free Credit Score Access
Stay informed with free access to your VantageScore 4.0 from TransUnion after 60 days. This gives you valuable insight into your credit progress. - Credit Reporting to All Three Bureaus
The Fortiva Mastercard reports your account activity to Equifax, Experian, and TransUnion. This is essential for building or rebuilding credit. - Real-Time Alerts and Notifications
Track your account activity, payments, and potential fraud with real-time alerts. Stay in control and aware of every update. - Mobile App Convenience
Manage your card wherever you go. The Fortiva app lets you check balances, make payments, and monitor your spending with ease. - Instant Card Lock/Unlock
Misplace your card? You can instantly lock or unlock it right from the mobile app, adding a layer of control and peace of mind. - No Security Deposit Needed
Unlike secured cards, Fortiva gives you an unsecured line of credit—no upfront deposit required. It’s access and empowerment without extra hurdles. - Soft-Pull Prequalification
Curious about your chances? You can check if you qualify without harming your credit score, thanks to Fortiva’s soft pull process. - Accepted Everywhere Mastercard Is
Enjoy the freedom to use your card almost anywhere. Fortiva is part of the Mastercard network, giving you broad purchasing power at millions of locations. - Opportunity for Credit Line Increases
With responsible use, you may qualify for higher credit limits over time. This helps improve your credit utilization and gives you more flexibility.
Earning Rewards
The Fortiva Mastercard makes earning rewards incredibly easy. You’ll get 3% cash back on everyday essentials like gas, groceries, and utility bills. On everything else, enjoy 1% cash back. Your earnings are tracked automatically, so you can see your rewards grow without extra effort.
Redeeming Rewards
There’s no need to navigate complicated reward portals. Your accumulated cash back is automatically issued as a statement credit once per year during your anniversary month, provided your account is in good standing. It’s a straightforward way to enjoy your earnings with no hassle.
Who Can Apply
To qualify for the Fortiva Mastercard, applicants must meet the following criteria:
- Be at least 18 years old (or the age of majority in your state)
- Have a valid U.S. address
- Provide a valid Social Security Number
- Show consistent income to demonstrate repayment ability
- Not be currently in bankruptcy
- Have fair to poor credit (ideal for those building or rebuilding)
How to Apply
- Visit the Fortiva credit card application page
- Click to check for prequalification using a soft credit inquiry
- Fill in personal information such as name, SSN, address, and income
- Review the card terms, including fees and APR
- Submit the full application
- Receive an instant decision (in most cases)
- If approved, wait for your card in the mail and activate it
- Start spending and earning rewards!
Frequently Asked Questions
Do I need good credit to apply?
No. The card is designed for those with fair or poor credit.
Is a security deposit required?
No deposit is needed—this is an unsecured credit card.
Does it charge an annual fee?
Yes, and the amount varies depending on your offer—typically between $85 and $175 the first year, then up to $229.
What’s the APR?
The fixed APR is high—around 36%, so it’s best to pay off your balance monthly to avoid interest.
Are there other fees?
Yes. Maintenance fees may apply annually after the first year, along with potential late, foreign transaction, and balance transfer fees.
How are rewards redeemed?
Rewards are automatically issued as a statement credit each year during your anniversary month, if your account is in good standing.
When can I access my credit score?
You can view your credit score for free about 60 days after account opening.
Does Fortiva report to credit bureaus?
Yes, it reports to all three major credit bureaus: Equifax, Experian, and TransUnion.
Can I get a credit limit increase?
Yes—if you make consistent, on-time payments, you may be eligible for a higher credit line.
Is this card accepted internationally?
Yes. Because it’s a Mastercard, you can use it almost anywhere worldwide.
Will prequalification affect my credit score?
No. Fortiva uses a soft credit pull for prequalification, which does not impact your score.
What happens if I’m not in good standing at my anniversary?
If your account is delinquent or restricted, your rewards may be held until the next anniversary year.
