Applying for the Fortiva® Credit Card: learn how!

Many people need help to improve their credit scores. Is it your case? Then find out how to apply for Fortiva® Credit Card.


by Sabrina Paes

Published on 10/18/2022

Fortiva® Credit Card: unsecured card to build credit!

Fortiva card
Learn all about how to apply for the Fortiva® Credit Card! Source: Fortiva®

The Fortiva® Credit Card is an option for those with a bad credit score who need to improve their credit.

You have some associated fees like annual, monthly, and foreign transactions, but it contains a nice cap.


Credit Card

Fortiva® Credit Card

unsecured free score

Great APR rate for bad credit scores. Unsecured card.

See an ad to be redirected to another website

However, knowing how to apply for this option to be approved is important. In this sense, it is important that you fill in the data correctly, either online or through an application. Learn more about how to apply.


Apply online

The Fortiva® Credit Card does not require a high credit score to apply. However, it is essential to be over 18 years of age, have a fixed address in the United States, and be legally in the country.

The first way you can apply for this option is online. In this sense, you need a computer or notebook with quality internet access to do all processes quickly.

However, you can only apply online if you’ve received an offer from Fortiva in your email. If you did, you could fill in your personal and financial details for an assessment to be carried out. Finally, just wait for the result of the evaluation.

Apply using the app

Since you’ll need to receive an offer through an email to apply, you can’t complete an application through the mobile app.


Fortiva® Credit Card vs. Reflex Mastercard®

Which one is best for you? Source: The Stealth Capitalist

The Fortiva® Credit Card can be a great option for those who don’t have a good score. It gives you a minimum limit and reports it to the country’s creditors after payment and correct use. So the credit score increases over time.

However, you may also have another option: the Reflex Mastercard®. It is similar to Fortiva® but has higher annual fees, regardless of whether it is the first or second year of use. Check out the differences.

Fortiva® Credit Card

  • Credit Score: Bad/Poor;
  • Annual Fee: $49 – $175 1st yr, $0 – $49 after;
  • Regular APR: 22.74% – 36% (variable for purchases – April 2021);
  • Welcome bonus: None;
  • Rewards: There are no rewards; it just helps to rebuild credit or increase credit score.

Reflex Mastercard® 

  • Credit Score: Fair/Bad;
  • Annual Fee: See terms;
  • Regular APR: 24.99% to 29.99%;
  • Welcome bonus: None;
  • Rewards: Monthly reports to the country’s three major credit bureaus to help build credit.

Are you more interested in learning about the Reflex Mastercard®? If so, check out our post below to learn all about how the application process works!

Reflex Mastercard®

How to apply Reflex Mastercard®?

Need some help with your credit score? Reflex Mastercard® can help. See how to apply and be approved.

About the author

Sabrina Paes

Content Writer, Copywriter, and Ghostwriter. Content marketing professional with 5 years of experience. Specialist in investment, finance, and technology niche. MBA in Marketing at the University of São Paulo, Brazil. Content Writer by Rock Content, and University of California (UCDAVIS).

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