The Fortiva Mastercard is designed for individuals who are ready to turn the page and start rebuilding their credit with a reliable financial tool. Whether you’re coming back from a few setbacks or simply trying to establish better habits, this card is built to support your progress.
With the backing of The Bank of Missouri, the Fortiva Mastercard brings you peace of mind, digital control, and the freedom to prove your financial responsibility—all without requiring a security deposit.
Outstanding Features That Make Fortiva Stand Out
1. No Upfront Deposit Needed
One of the biggest hurdles for those rebuilding credit is the need for a security deposit. With Fortiva, that’s not an issue. This card is completely unsecured, so you can gain access to credit without tying up your savings.
2. Positive Credit Activity Reported Monthly
Build your credit the right way—by making on-time payments and keeping your balance low. Fortiva helps by reporting your activity to Experian, Equifax, and TransUnion, helping you establish a stronger credit profile over time.
3. Prequalify Without Damaging Your Score
Applying for credit can be stressful, especially if it means a hard inquiry. That’s why Fortiva allows you to prequalify using a soft credit pull, so you’ll know your chances without risking your current score.
4. Use the Fortiva App for Full Control
Your credit card should be as modern as your lifestyle. That’s why Fortiva offers a free mobile app where you can view your balance, check transactions, make payments, and even receive reminders—all in one place.
5. Mastercard Network Access
Use your card at millions of locations across the globe. From online retailers to local restaurants and international bookings, Fortiva Mastercard offers the convenience and global recognition you need.
6. Credit Limits That Make Sense
Your initial credit line is based on your financial profile and credit history. Fortiva sets limits that aim to support your financial health, not overwhelm you. Responsible use may also lead to limit increases over time.
7. Zero Liability for Fraudulent Charges
You’re automatically covered by zero fraud liability—meaning you’re protected against unauthorized transactions if your card is lost, stolen, or misused.
8. Get a Decision in Minutes
No long waits or complicated paperwork. The online application takes just minutes, and most users get an instant approval decision.
9. Real-Time Payment Updates
When you make a payment through the app or online account, your available credit updates quickly, giving you better visibility and peace of mind.
10. Go Paperless with E-Statements
Say goodbye to cluttered mailboxes. With Fortiva, you can access your statements digitally through the secure account portal and get notified by email when your bill is ready.
Who’s Eligible to Apply?
You may qualify for the Fortiva Mastercard if the following apply to you:
- You are 18 years or older (19+ where required)
- You live in the United States and have a valid U.S. address
- You possess a Social Security Number or ITIN
- You have a steady income or verifiable source of funds
- You are not currently in bankruptcy
- You do not already have an active Fortiva card
- You accept credit check and identity verification
How to Apply for the Fortiva Mastercard
Getting started is easy and fast. Here’s how to apply:
- Go to www.myfortiva.com
- Click on “Prequalify Now”
- Fill out the short form with your details
- Submit for prequalification (soft inquiry only)
- Review your results
- If prequalified, proceed to complete the full application
- Accept the terms and submit
- Receive an instant approval decision
- If approved, your card is shipped directly to you
Frequently Asked Questions (FAQs)
1. Do I need a deposit to open this account?
No. Fortiva is an unsecured card, so there is no security deposit required.
2. How does Fortiva help improve credit?
It reports your payment behavior to all major credit bureaus. With responsible use, this can improve your credit score over time.
3. Does the application hurt my credit score?
No. The prequalification process uses a soft inquiry that won’t affect your credit. A hard inquiry only occurs if you proceed with a full application.
4. Where can I use the Fortiva Mastercard?
Anywhere Mastercard is accepted—including online, in stores, and internationally.
5. Is there an app to manage the account?
Yes. The Fortiva mobile app provides full account management, including payments and alerts.
6. What is the APR?
The APR varies by applicant and will be disclosed during your application review.
7. How long does it take to get approved?
In most cases, approval decisions are given within minutes after submission.
8. Will I get a higher limit in the future?
Possibly. Fortiva may increase your credit limit after consistent, on-time payments.
9. Can I cancel the card?
Yes. You may close your account at any time by contacting customer service, but you’ll need to pay off any balance.
10. Are there fees associated with this card?
Yes. Fortiva may charge annual or maintenance fees depending on your offer. All fees will be listed clearly before you accept.
