Fortiva® Cash Back Rewards Mastercard® – 3% Cash Back and Up to $1,000
The Fortiva® Cash Back Rewards Mastercard® is an unsecured credit card issued by the Bank of Missouri for consumers with Fair credit. There is no security deposit, and approved applicants can receive a credit limit of up to $1,000. The card offers 3% cash back on eligible gas, grocery and utility purchases and 1% cash back on other eligible purchases. You can also check for potential eligibility without an initial hard credit inquiry. The card has a 36% fixed APR, with an annual fee ranging from $85 to $175 during the first year and $229 after the first year.
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What Is the Fortiva Cash Back Rewards Mastercard?
The Fortiva Cash Back Rewards Mastercard is an unsecured Mastercard designed for consumers with Fair credit who want an account that offers cash back without requiring a security deposit. The card is issued by the Bank of Missouri and can provide an approved applicant with a credit limit of up to $1,000.
Because the card is unsecured, you do not have to deposit money with the issuer to establish your credit line. Instead, the issuer reviews your application and credit information when determining whether to approve you and what credit limit to provide.
How Does the Fortiva Cash Back Rewards Program Work?
The Fortiva Cash Back Rewards Mastercard offers 3% cash back on eligible gas, grocery and utility purchases. Other eligible purchases earn 1% cash back. The gas category is particularly relevant for someone looking for a credit card that can provide rewards on regular fuel purchases.
Cash back applies to eligible purchases under the rewards program. Certain transactions and charges may not qualify for rewards, so the terms of the rewards program should be reviewed to understand which purchases are eligible.
Does the Fortiva Card Require a Security Deposit?
No. The Fortiva Cash Back Rewards Mastercard is an unsecured credit card, so you do not have to make a security deposit to open the account. This allows an approved applicant to receive a credit line without tying up money as collateral.
How Much Is the Fortiva Credit Limit?
The Fortiva Cash Back Rewards Mastercard offers a credit limit of up to $1,000, subject to credit approval. The issuer determines the actual credit limit provided to an approved applicant.
A $1,000 maximum can provide access to an unsecured credit account for someone with Fair credit, although it is important to consider the account's fees when comparing it with other credit cards offering similar credit limits.
Can You Prequalify for the Fortiva Card?
Yes. Fortiva allows potential applicants to check for prequalification without an initial hard inquiry affecting their credit score. This can give you an opportunity to see whether you may qualify before deciding whether to proceed with a full application.
Prequalification is not a guarantee of approval. If you continue with the application, the issuer may perform a hard credit inquiry and will make the final approval decision based on its review of your application and credit information.
➤ See if you pre-qualify for the Fortiva® Cash Back Rewards Mastercard®
What Are the Fortiva Card Fees?
The Fortiva Cash Back Rewards Mastercard has an annual fee ranging from $85 to $175 during the first year, depending on the terms offered to the applicant. After the first year, the annual fee is $229.
Those fees are worth considering alongside the card's credit limit and cash back rewards. For an applicant who receives a $1,000 credit limit, a $229 annual fee after the first year represents a substantial cost relative to the available credit. The card may therefore make more sense for someone who has limited unsecured credit options than for someone who qualifies for cards with lower ongoing fees.
What Is the Fortiva Card APR?
The Fortiva Cash Back Rewards Mastercard has a 36% fixed APR. Carrying a balance can therefore result in significant interest charges. As with other credit cards, paying the balance on time and avoiding unnecessary interest can help keep the overall cost of the account under control.
What Credit Score Is Recommended for the Fortiva Card?
The Fortiva Cash Back Rewards Mastercard is listed for consumers with Fair credit. A particular credit score does not guarantee approval, however. The issuer considers the information in your application and credit history when making its decision.
Does the Fortiva Card Help Build Credit?
An unsecured credit card can be useful for establishing or rebuilding credit when the account is managed responsibly. Making payments on time and keeping your balance under control can help you establish a positive payment history.
Fortiva also provides access to a free TransUnion® VantageScore 4.0 after 60 days, with registration required. The score is provided for educational purposes and may not be the same score used by the issuer when evaluating credit applications.
Does the Fortiva Card Have Fraud Protection?
Yes. The Fortiva Cash Back Rewards Mastercard provides $0 fraud liability for unauthorized transactions, subject to the applicable terms. This provides protection if unauthorized activity occurs on the account.
Who Is the Fortiva Cash Back Rewards Mastercard For?
The Fortiva Cash Back Rewards Mastercard may be an option for someone with Fair credit who wants an unsecured card with cash back and does not want to provide a security deposit. The card's 3% cash back on eligible gas, groceries and utilities gives it a rewards component that is not available on every credit card aimed at consumers with less-than-perfect credit.
The fees should be considered carefully. The annual fee can be as high as $175 during the first year and increases to $229 after the first year. The card also has a 36% fixed APR, so carrying a balance can add considerably to the cost of using the account.
Fortiva Cash Back Rewards Mastercard Summary
The Fortiva Cash Back Rewards Mastercard is an unsecured credit card for consumers with Fair credit that does not require a security deposit. Approved applicants can receive up to a $1,000 credit limit, while eligible gas, grocery and utility purchases earn 3% cash back and other eligible purchases earn 1%. Prequalification is available without an initial hard credit inquiry, giving potential applicants an opportunity to check for potential eligibility before proceeding with a full application.
The primary consideration is the cost of the account. The annual fee ranges from $85 to $175 during the first year and is $229 after the first year, while the card carries a 36% fixed APR. Those terms should be weighed against the cash back rewards and the benefit of having an unsecured credit account before accepting an offer.
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