Fortiva Mastercard Credit Card Review

The Fortiva Mastercard is crafted for individuals who are looking to build or rebuild their credit profile. 

The Fortiva Mastercard isn’t just about getting access to credit; it’s about providing tools like free credit score tracking and the potential for cash back rewards, all while helping you move towards a stronger financial future. It’s time to take a positive step forward!

Get ready to feel empowered with a card that believes in second chances and rewards your responsible use! 

CREDIT CARD

Fortiva Mastercard

Cash Back Rewards No Security Deposit

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Benefits with the Fortiva Mastercard

1. Opportunity for Less-Than-Perfect Credit: This card is a beacon of hope if you have fair or developing credit! Fortiva specializes in providing opportunities for those who might not qualify for other cards. 
2. No Security Deposit Required: Get started without tying up your cash! Unlike secured cards, the Fortiva Mastercard is an unsecured credit card, meaning no upfront security deposit is needed. More financial flexibility for you!
3. Free Credit Score Access: Keep an eye on your progress! After your account has been open for 60 days, you’ll typically get free access to your VantageScore 4.0 from TransUnion through your online account. Knowledge is power!
4. Zero Fraud Liability: Shop with confidence! You’re protected against unauthorized charges if your card is lost or stolen, thanks to Mastercard’s zero fraud liability (subject to Mastercard rules). Peace of mind is priceless!
5. Reports to All Three Major Credit Bureaus: Build that credit history! Fortiva reports your account activity to Experian®, Equifax®, and TransUnion®, helping you build a positive credit record with responsible use.
6. Simple and Secure Prequalification: See if you’re likely to be approved without impacting your credit score! The prequalification process is quick, easy, and uses a soft inquiry.
7. Instant Credit Decision Possible: Get answers fast! Once you complete the full application after prequalifying, you may receive an instant credit decision.
8. Transaction Alerts: Stay informed and in control! Receive alerts for transactions on your account, helping you monitor spending and detect any suspicious activity quickly.
9. Card Control Features: Enjoy enhanced security! Features may include the ability to lock and unlock your card, which is fantastic if you misplace it.
10. Potential for Credit Line Increases: As you manage your account responsibly, you may become eligible for credit line increases, giving you more purchasing power over time. Grow with Fortiva.

Who Can Apply?

The Fortiva Mastercard is primarily designed for individuals with fair or developing credit. While specific approval criteria can vary, generally you should:

• Be at least 18 years old.
• Have a valid Social Security Number (SSN).
• Have a U.S. physical address.
• Provide information about your income. Fortiva may require income verification to ensure you have the ability to repay.
• Meet Fortiva’s creditworthiness standards, which are geared towards those with less-than-perfect credit histories.

How to Apply?

Applying for the Fortiva Mastercard typically involves these steps:

1. Visit the Fortiva Website: Navigate to the official MyFortiva.com website or an authorized application page.
2. Check for Prequalification: Look for an option to “See If You Prequalify” or respond to a mail offer if you received one. 
3. Review Your Prequalification Offer: If you prequalify, you’ll be shown potential terms. Review these carefully.
4. Complete the Full Application: This will require more detailed personal and financial information. Submitting the full application will result in a hard credit inquiry.
5. Receive a Credit Decision: Fortiva aims to provide quick decisions, sometimes instantly, after you submit your full application.
6. Activate Your Card: If approved and you receive your card, you’ll need to activate it online or by phone before use.

Frequently Asked Questions

1. Who is the Fortiva Mastercard best suited for? This card is primarily designed for individuals who have fair, limited, or poor credit and are looking for an opportunity to build or rebuild their credit history with an unsecured credit card.
2. How do the cash back rewards work? Cardholders can earn 3% cash back on eligible purchases in categories like gas, groceries, and utilities, and 1% cash back on all other eligible purchases. Rewards are typically redeemed as an annual statement credit. Be sure to check the program terms for full details on earning and redemption.
3. Are there any significant fees I should be aware of? Yes, cards for this credit segment often come with fees. The Fortiva® Mastercard® may have an annual fee and, after the first year, an account maintenance fee (which might be billed monthly). It’s crucial to review the card’s terms and conditions for a full understanding of all applicable fees and APRs before applying.
4. Can using this card help improve my credit score? Yes, with responsible use. Fortiva reports your payment history and account status to the three major credit bureaus (Experian®, Equifax®, and TransUnion®). Making on-time payments and keeping your credit utilization low can help you build a positive credit history over time.

CREDIT CARD

Fortiva Mastercard

Cash Back Rewards No Security Deposit

APPLY NOW You will be redirected