Life happens, and sometimes your credit score takes a hit. But that doesn’t mean you’re out of options. The Fortiva Mastercard was built to give people like you a second chance—without the stress, without the judgment. Whether you’ve faced a financial setback or are trying to re-establish your credit, Fortiva offers a straightforward and supportive way to get back on track.
This card is backed by The Bank of Missouri, a name you can trust. It’s not just another credit card—it’s a practical tool for rebuilding your financial health. No need for a security deposit, no hidden tricks. You get an accessible credit card, powerful digital tools, and a genuine opportunity to prove your creditworthiness again.
Key Benefits of the Fortiva Mastercard
1. No Cash Deposit Required
Forget about tying up your savings just to get a credit card. Fortiva offers unsecured access to credit, meaning there’s no need to pay a deposit. This allows you to keep your cash available while still having the purchasing power you need.
2. Monthly Reporting to All Credit Bureaus
Every month, Fortiva shares your payment activity with Experian, Equifax, and TransUnion. With on-time payments and low balances, this can have a positive impact on your credit score, helping you rebuild one step at a time.
3. Check Your Eligibility Without Risk
Worried about your credit score dropping from too many applications? Fortiva lets you prequalify with no harm to your credit. The initial review uses a soft inquiry, so you’ll know where you stand before you commit.
4. Easy-to-Use Mobile App
Manage your account on the go with the Fortiva mobile app, available for iOS and Android. Track your spending, make payments, and get alerts—all from your phone. It’s fast, simple, and always at your fingertips.
5. Mastercard Global Acceptance
The Fortiva Mastercard is accepted worldwide. Whether you’re paying bills, shopping online, or traveling, your card is welcomed at millions of locations, giving you flexibility wherever life takes you.
6. Customizable Alerts for Better Financial Control
Set up alerts to remind you about due dates, balance limits, or new transactions. These tools help you stay in control of your budget and avoid unwanted fees or missed payments.
7. Fraud Protection You Can Trust
Your account includes zero liability protection—meaning if your card is stolen or used without your authorization, you won’t be held responsible for those charges.
8. Credit Limit Tailored to You
Your starting credit line is determined by your financial profile. Over time, Fortiva may offer credit limit increases if you demonstrate responsible usage and timely payments.
9. Real-Time Payment Posting
No more wondering if your payment has cleared. When you pay online or through the app, transactions post quickly, giving you immediate clarity on your available balance.
10. Eco-Friendly and Efficient Paperless Options
Go green and stay organized by enrolling in paperless statements. You’ll receive digital notifications each month, and you can download PDFs anytime for your records.
11. Quick Application Process
The online application is fast and user-friendly. You can complete the process in minutes, and most applicants get an instant response about their approval status.
12. A Second-Chance Solution That Works
Many cards claim to help rebuild credit, but Fortiva delivers with transparent terms and a real path forward. There’s no need to settle for payday loans or prepaid cards when you have access to a true credit product that supports your goals.
Who Can Apply?
To be eligible for the Fortiva Mastercard, you’ll need to meet the following criteria:
- Be 18 years or older (or 19+ in certain states)
- Have a valid Social Security Number or ITIN
- Maintain a permanent U.S. address
- Have a verifiable source of income
- Not be involved in an active bankruptcy proceeding
- Not currently hold another Fortiva account
- Consent to credit and identity verification
How to Apply
Ready to take the first step? Here’s how to apply for the Fortiva Mastercard:
- Go to www.myfortiva.com
- Select “Prequalify Now”
- Enter your personal details and income information
- Submit for soft-pull prequalification
- If prequalified, proceed to complete the application
- Review all terms and disclosures carefully
- Submit your final application
- Receive a decision—often in under 60 seconds
- If approved, your card ships to your address
Frequently Asked Questions (FAQs)
1. What is the Fortiva Mastercard used for?
You can use it for everyday purchases, bill payments, travel, or online shopping—anywhere Mastercard is accepted.
2. Does Fortiva require a deposit?
No. This is an unsecured credit card, so no deposit is needed to open your account.
3. Will it help improve my credit score?
Yes. If you pay on time and keep your balance low, your positive activity is reported to all three major credit bureaus.
4. Is there a mobile app?
Yes, Fortiva offers a full-featured mobile app for both Android and iOS.
5. Can I prequalify without affecting my credit?
Absolutely. Fortiva uses a soft pull during the prequalification process.
6. Are there fees?
Yes, the card may come with annual or maintenance fees. Your specific offer will outline all associated costs.
7. What if I don’t get approved?
If you aren’t approved after prequalification, there’s no impact on your credit score, and you can reapply later.
8. How long will it take to receive my card?
Once approved, you’ll typically receive your card within 7–10 business days.
9. Can I get a higher credit limit later?
Yes. Fortiva may increase your limit over time based on your account performance.
10. Is customer service available?
Yes. Fortiva offers customer support via phone and online for billing, disputes, and account questions.
11. What’s the APR?
The APR varies depending on your credit profile. You’ll see your exact rate during the application process.
12. Can I cancel my account at any time?
Yes. You can close your account whenever you wish, though any unpaid balance must still be repaid.
