Whether you’re overcoming past financial hurdles or just starting fresh, the Fortiva Mastercard gives you the tools to take back control—without complicated rules or high barriers to entry.
Issued by The Bank of Missouri, the Fortiva Mastercard is designed specifically for those with less-than-perfect credit. With no security deposit, regular reporting to credit bureaus, and easy account management, it’s a reliable companion for rebuilding your financial foundation. Let’s dive into the many reasons why Fortiva could be the right fit for your wallet.
The Fortiva Mastercard Benefits
1. No Security Deposit Required
With Fortiva, you can access credit without tying up hundreds of dollars in a deposit. It’s an unsecured card, meaning you don’t need to pay anything upfront to open your account. This gives you immediate access to spending power while still enjoying the benefits of a credit-building card.
2. Credit Reporting to Major Bureaus
Your activity is reported to all three major credit bureaus—TransUnion, Experian, and Equifax. This gives you the chance to positively impact your credit score as long as you use the card responsibly and make your payments on time.
3. Soft Credit Check for Prequalification
Want to see if you qualify without damaging your credit? Fortiva offers a risk-free prequalification process that uses a soft inquiry—meaning your credit score won’t be affected if you’re not approved.
4. Mobile Account Management
Manage your card easily through the Fortiva mobile app, which offers full access to your account from anywhere. View your balance, track your purchases, pay your bill, and set up alerts—right from your smartphone.
5. Zero Liability for Unauthorized Charges
As a Mastercard customer, you benefit from zero fraud liability, which means you’re not responsible for unauthorized purchases made with your card if it’s ever lost or stolen.
6. Flexible Credit Limits Based on Your Profile
Your starting credit line is tailored to your creditworthiness. Over time, with consistent on-time payments, you may be considered for a credit limit increase, giving you even more purchasing flexibility.
7. Fast Online Application and Instant Decision
The Fortiva online application is straightforward, and most applicants get an instant decision within minutes. No waiting days or weeks to find out if you’re approved.
8. User-Friendly Online Portal and Paperless Statements
If you prefer desktop access, Fortiva’s online account center lets you view transactions, download statements, and make payments securely. You can also opt into paperless billing to simplify your finances.
9. Designed for Credit Recovery
This card was built for people who need a second chance. If your credit isn’t perfect, Fortiva doesn’t penalize you. It gives you a practical and transparent way to show financial responsibility and work toward a stronger credit future.
10. Worldwide Acceptance
Use your Fortiva Mastercard at millions of locations across the globe—in-store and online. Wherever Mastercard is accepted, your card is good to go, giving you flexibility whether you’re at home or traveling.
Who Can Apply?
You may qualify for the Fortiva Mastercard if you meet the following eligibility requirements:
- Must be 18 years of age or older (19 in some states)
- Provide a valid Social Security Number or ITIN
- Have a physical U.S. address (no P.O. boxes)
- Have a steady source of income
- Not currently in bankruptcy
- Must not already have an open Fortiva card
- Agree to identity and credit verification terms
How to Apply
Follow these steps to apply for the Fortiva Mastercard:
- Visit the official site at www.myfortiva.com
- Click on “Prequalify Now”
- Fill out your personal and income details
- Submit for soft pull prequalification
- If prequalified, proceed with the full application
- Review terms and finalize your application
- Receive your approval status within seconds
- If approved, your card will be mailed to you shortly
Frequently Asked Questions (FAQs)
1. What type of credit card is Fortiva?
It’s an unsecured credit card designed for people with less-than-ideal credit histories.
2. Can I check if I qualify without impacting my credit score?
Yes! The prequalification process uses a soft pull, so your score is not affected.
3. Do I have to pay a deposit?
No. Fortiva does not require a security deposit, unlike many credit-building cards.
4. Is this card good for building credit?
Absolutely. Your payment history is reported to all major credit bureaus, helping you build or rebuild your score over time.
5. How fast will I get a decision?
Most users receive an instant decision after submitting their full application.
6. What is the annual fee?
Annual fees vary based on your credit profile and will be disclosed during your application. Be sure to read the full offer details before accepting.
7. Does Fortiva offer fraud protection?
Yes. Your account includes zero liability protection against unauthorized charges.
8. Can I manage my account online?
Yes! You can log in through the Fortiva online portal or use their mobile app to manage your account anytime.
9. Will I receive account alerts?
Yes. You can customize alerts to notify you of payment due dates, balance changes, and more.
10. Can I use my card for international purchases?
Yes! Fortiva is a globally accepted Mastercard, so you can use it almost anywhere.
