Fortiva® Mastercard® Credit Card

Discover the Fortiva® Mastercard® credit card, designed to fit your lifestyle and financial needs. 

With it, you not only get a credit card, but an ally on your financial journey.

Unlike cards that require perfect credit, Fortiva is inclusive, allowing you to work toward your credit recovery without complications. 

How does the Fortiva® Mastercard® 

With a focus on helping everyday Americans achieve their financial goals, this card offers a real opportunity for those who are sometimes left out by other issuers. 

By using it, you not only have the opportunity to make purchases, but also the chance to earn cash back rewards.

This way, each transaction is debited immediately, allowing you to maintain control over your finances and avoid surprises at the end of the month. 

Additionally, the Fortiva card offers protection against unauthorized charges, ensuring you are secure in your transactions. 

Main benefits for the credit card Fortiva® Mastercard® 

The Fortiva® Mastercard® credit card stands out for offering a series of advantages that make it an attractive option for those looking to rebuild their credit without the need for a security deposit. 

This feature is especially beneficial for those just starting their financial journey or who have faced difficulties in the past. 

Additionally, the pre-qualification option allows you to verify your card eligibility through a soft credit check, which does not impact your credit score. 

This provides a sense of security by letting you know your chances of approval before committing to a formal request.

Another great attraction of the Fortiva card is the possibility of earning up to 3% cashback on qualifying purchases, which can be a significant incentive to use the card for your everyday expenses. 

Additionally, cardholders have access to $0 liability protection against unauthorized charges, offering an extra layer of financial security. 

Cons for the Fortiva® Mastercard® Credit Card

Annual and maintenance fees can be significantly high, ranging from US$ 49 a US$ 175 in the first year, which may impact your monthly budget. 

Additionally, a lack of transparency about how these fees are determined can create frustration and uncertainty for users. 

You should also be aware that if you carry a balance, your annual percentage rate (APR) will likely be higher than the market average, which could increase your total cost of credit over time.

Another point to be considered is the limitation on the rewards offered. 

Although the card allows you to accumulate cashback, this benefit can only be applied once a year as a statement credit, which may not be as attractive for those who want to see more frequent returns on their purchases. 

Fortiva also does not accept requests for credit limit increases, which may restrict the user’s financial flexibility.

APR and Fees

In the first year, the annual fee ranges from US$49 to US$175, with the amount reduced to a rate that can range from US$0 to US$49 in subsequent years. 

And there is an account maintenance fee which can range from US$60 to US$159 annually, being charged monthly. 

It is also important to pay attention to the late payment fees, which can reach up to US$41, and the fee to add an authorized user, which is US$19. 

Although the fees may seem high, it is essential to consider the nature of the card and its features. 

For many, a secured credit card, which requires a deposit, may be a more viable alternative, especially if you’re looking to build or improve your credit history. 

With a good payment history, you can get your deposit back when you close the card or upgrade to a more advantageous option. 

Keeping a credit card open for a long period is crucial, as the length of your credit history influences your score. 

How to Apply for the Fortiva® Mastercard® Credit Card

To get started, you must fill out an online form available on the official Fortiva website. 

This initial step allows you to pre-qualify for a credit limit up to $1,000, even if your credit history isn’t perfect. 

Best of all, this pre-qualification is carried out through a soft credit check, meaning it doesn’t impact your credit score, providing extra peace of mind throughout the process.

After filling out the form, you will have a clear view of your chances of approval before formalizing the request. 

Remembering that There are no program fees or initial deposits required to open your account.

Don’t waste time and take the first step towards recovering your credit with the Fortiva® card!