Fortiva Mastercard Review

Rebuild your credit with the Fortiva Mastercard. No deposit required, worldwide acceptance, mobile app access, and reporting to all major credit bureaus.

Managing life with a damaged or limited credit history can feel like a constant uphill battle. The Fortiva Mastercard is built specifically for people in this situation, offering access to everyday purchasing power while helping you rebuild your financial foundation. Instead of shutting the door on your application, Fortiva opens one — giving you a chance to prove yourself again with real tools that impact your credit.

Backed by The Bank of Missouri, this card allows applicants with less-than-perfect credit to enjoy the confidence of a mainstream credit card. From fraud protection to mobile account management, Fortiva combines security with convenience. And because it reports directly to all three major credit bureaus, your responsible use today helps unlock better financial opportunities tomorrow.

10 Key Benefits of the Fortiva Mastercard

1. No Security Deposit Required

Unlike many credit-building cards that demand an upfront deposit, Fortiva is an unsecured Mastercard. You can start using your account right away without tying up money in a collateral payment.

2. Reports to All Three Major Credit Bureaus

Your payment activity is shared monthly with Equifax, Experian, and TransUnion. This ensures your responsible card use translates into measurable progress for your credit profile.

3. Prequalification Without Credit Score Impact

Before submitting a full application, you can check if you prequalify. This process uses a soft credit pull, which means your score remains unaffected.

4. Mobile App for Full Account Management

Through the Fortiva Account Center app, you can review balances, make payments, receive alerts, and track spending. It’s an all-in-one digital hub for managing your account.

5. Real-Time Notifications and Alerts

Never miss a payment or overspend again. With customizable alerts, Fortiva helps you stay on top of your finances with real-time updates straight to your phone or email.

6. Mastercard Worldwide Acceptance

Whether you’re shopping online, traveling, or covering bills, Fortiva works globally. Mastercard’s broad acceptance makes it easy to use your card almost anywhere.

7. Credit Limit Designed for You

When you’re approved, Fortiva assigns a limit based on your financial profile. Over time, responsible use may lead to opportunities for higher credit lines.

8. Zero Liability Protection

Mastercard’s Zero Liability feature protects you from fraudulent charges. If unauthorized purchases occur, you’re not held responsible.

9. Access to Online Statements and E-Documents

Skip the paper clutter. With secure online statements, you can quickly access records, track spending, and stay organized.

10. Pathway to Rebuilding Credit

The Fortiva Mastercard isn’t just about giving you access to funds. It’s about helping you recover from financial setbacks by building healthy habits that lead to future opportunities.

Who Can Apply?

To be eligible for the Fortiva Mastercard, you must:

• Be at least 18 years old (19 in certain states).
  
• Have a valid Social Security Number or ITIN.
  
• Provide a residential U.S. mailing address.
  
• Have a verifiable income source.
  
• Not currently be in active bankruptcy.
  
• Not already hold a Fortiva credit card.
  
• Agree to credit and identity verification.

How to Apply

Applying is quick and simple:

1. Go to myfortiva.com.
   
2. Click on “Prequalify Now”.
   
3. Enter your personal and financial information.
   
4. Review your prequalification offer (soft pull, no impact on your credit score).
   
5. If eligible, complete the full application.
   
6. Accept the card terms and submit.
   
7. Wait for a fast decision — often within seconds.
   
8. If approved, your card will arrive by mail within days.

Frequently Asked Questions (FAQ)

1. Does Fortiva require a deposit?
No, this is an unsecured credit card — no upfront deposit is necessary.

2. Will applying hurt my credit score?
The prequalification step does not affect your score. Only the full application involves a hard inquiry.

3. Can I use the Fortiva Mastercard abroad?
Yes. As a Mastercard, it’s accepted worldwide at millions of merchants.

4. How do I pay my bill?
You can pay through the Fortiva mobile app, the online portal, or by mailing a payment.

5. How long does approval take?
Most applicants receive an instant decision after submitting their application.

6. Does Fortiva increase credit limits?
Yes. Over time, responsible card use can make you eligible for higher credit limits.