Fortiva® Mastercard: Benefits, Rewards, and Fees

Finding a credit card that offers practical benefits while accommodating less-than-perfect credit can be challenging. The Fortiva® Mastercard provides an alternative for consumers seeking greater purchasing flexibility, cash back rewards, and tools to manage their financial responsibilities.

Issued by The Bank of Missouri, the Fortiva® Mastercard is an unsecured credit card that combines rewards on eligible purchases with credit bureau reporting, digital account management, and fraud protection. Understanding its interest rates, potential fees, and eligibility requirements can help you make a more informed decision before applying.

Fortiva® Mastercard Benefits and Features

The Fortiva® Mastercard offers several features designed to make everyday credit use more convenient while supporting responsible financial habits.

Earn Up to 3% Cash Back Rewards

One of the Fortiva® Mastercard’s most attractive benefits is its cash back rewards program, which provides opportunities to earn rewards on common household expenses.

Under the published rewards offer, eligible cardholders can earn:

• 3% cash back on qualifying gas purchases.
• 3% cash back on eligible grocery purchases.
• 3% cash back on qualifying utility bill payments.
• 1% cash back on other eligible purchases.

Rewards are earned on qualifying transactions. Returns, credits, cash advances, balance transfers, and certain other transactions are excluded.

The Fortiva® Mastercard generally applies earned rewards as an annual statement credit during the account anniversary month, provided the account is in good standing.

Reward availability and rates depend on the applicable offer. Statement credits do not replace required monthly payments.

Build Credit Through Responsible Use

The Fortiva® Mastercard includes credit bureau reporting, allowing account activity to contribute to a cardholder’s credit history.

Making payments on time, keeping balances manageable, and avoiding unnecessary debt can support healthier credit habits over time.

However, credit score improvements depend on individual circumstances and are not guaranteed. Late payments and high credit utilization may negatively affect creditworthiness.

No Security Deposit Required

The Fortiva® Mastercard is an unsecured credit card, meaning applicants do not need to provide a traditional refundable security deposit to establish their account.

The issuer also advertises no program fee for the referenced pre-qualification offer.

However, unsecured does not mean fee-free. Annual and other account-related charges may still apply depending on the approved offer.

Free Credit Score Access

The Fortiva® Mastercard provides eligible cardholders with access to a free credit score through their online account.

According to the issuer, the score becomes available approximately 60 days after account opening, following registration.

This educational credit score can help cardholders monitor their financial progress, although it may differ from the scores lenders use when evaluating applications.

Convenient Mobile App and Account Controls

The Fortiva® Mastercard mobile app provides convenient access to account information from compatible devices.

Cardholders can review transactions, manage payments, receive account notifications, and access available card control features.

These tools can make it easier to monitor spending and stay informed about account activity.

You will be redirected to the official website.

Mastercard Fraud Protection

The Fortiva® Mastercard includes Mastercard Zero Liability Protection for qualifying unauthorized transactions.

This benefit can provide additional reassurance when shopping in stores or online, although protection is subject to Mastercard rules and applicable conditions.

How Does the Fortiva® Mastercard Work? Rates and Fees

The Fortiva® Mastercard operates as a revolving credit account. Cardholders can make purchases up to their available credit limit and must make at least the required minimum payment each billing cycle.

However, interest charges and account fees can make borrowing expensive.

Credit Limit

The Fortiva® Mastercard advertises pre-qualification opportunities for credit limits of up to $1,000.

The actual limit depends on the applicant’s qualifications, the available offer, and the issuer’s final approval decision.

A higher credit limit is not guaranteed, and account fees may reduce the amount of credit available for purchases.

Purchase APR

The purchase annual percentage rate determines how much interest may be charged on outstanding purchase balances.

The Fortiva® Mastercard’s published pricing disclosures include relatively high APRs, with the specific rate depending on the offer and creditworthiness.

Paying the statement balance in full by the due date, when the applicable grace-period conditions are satisfied, can help avoid purchase interest.

Annual Fee and Maintenance Charges

Some Fortiva® Mastercard offers include annual fees and monthly account maintenance charges.

The issuer’s published pricing information shows that these costs can vary significantly between offers. Certain maintenance fees may begin after the first year.

Because these charges can reduce the value of cash back rewards, applicants should review the complete pricing disclosure before accepting the Fortiva® Mastercard.

Additional Fees

Depending on the Fortiva® Mastercard agreement, other potential charges may include:

• Cash advance fees.
• Balance transfer fees.
• Foreign transaction fees.
• Late payment fees.
• Returned payment fees.
• Additional cardholder fees.

The applicable amounts and conditions are provided in the individual cardholder agreement.

Fortiva® Mastercard Eligibility Requirements

The Fortiva® Mastercard is designed to consider consumers with less-than-perfect credit, but applicants must still meet the issuer’s eligibility criteria.

General requirements include:

• Meeting the legal age requirement to apply for credit.
• Providing a valid U.S. residential address.
• Submitting accurate personal identification information.
• Providing income and financial details when requested.
• Completing any required identity or income verification.
• Meeting the issuer’s credit and repayment criteria.

The issuer may request bank account information to verify income and evaluate the applicant’s ability to repay.

The Fortiva® Mastercard offers a pre-qualification process using a soft credit inquiry, which does not affect the applicant’s credit score.

However, accepting an offer may result in a hard credit inquiry, and final approval is not guaranteed.

How to Apply for the Fortiva® Mastercard

Applying for the Fortiva® Mastercard online involves four straightforward steps:

1. Visit the Official Website: Open the Fortiva® Mastercard’s secure pre-qualification page.
2. Enter Your Information: Provide the requested personal and financial details.
3. Review Your Offer: Check the available credit limit, APR, fees, and card conditions.
4. Complete Your Application: Accept the terms and follow the instructions for final approval.

Remember that checking pre-qualification does not guarantee approval.

Frequently Asked Questions About the Fortiva® Mastercard

1. Is the Fortiva® Mastercard a secured credit card?

No. The Fortiva® Mastercard is unsecured, meaning a traditional refundable security deposit is not required. However, certain account fees may apply.

2. When can I redeem my Fortiva® Mastercard cash back rewards?

Under the published rewards terms, cash back is automatically redeemed as an annual statement credit during the anniversary month of account opening, provided the account is in good standing.

3. Can I use the Fortiva® Mastercard internationally?

The Fortiva® Mastercard can generally be used wherever Mastercard is accepted, subject to account restrictions. Foreign transaction fees may apply, so reviewing the applicable agreement before traveling is recommended.

4. Who issues the Fortiva® Mastercard?

The Fortiva® Mastercard is issued by The Bank of Missouri pursuant to a license from Mastercard International Incorporated.

Is the Fortiva® Mastercard Right for You?

The Fortiva® Mastercard combines everyday cash back rewards, credit-building opportunities, and convenient digital tools. While these benefits may appeal to consumers with imperfect credit, potential fees and high interest rates deserve careful consideration.

Explore the Fortiva® Mastercard’s benefits, review the official terms, and check whether you pre-qualify for an offer that fits your financial goals.