Fortiva® Credit Card full review

A great way to improve your credit score is to use a credit card for rebuilding. Discover the Fortiva® Credit Card in our full review!


by Sabrina Paes

Published on 10/18/2022

Fortiva® Credit Card: build credit and improve your finances!

fortiva logo
Check out our review of the Fortiva® Credit Card! Source: Fortiva®

Card options for those without a good credit history are flexible. This Fortiva® Credit Card review will show how this option can be interesting in rebuilding credit and expanding possibilities.

Fortiva card

How to apply for the Fortiva® Credit Card?

The Fortiva® Credit Card has a good credit limit, and you don't need a good score to qualify. Find out how to apply!

This option has some advantages, like a reduced annual fee from the second year of use. In addition, you are exempt from the monthly fee for the first year. Check out the pros and cons of this option.

  • 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.

How does the Fortiva® Credit Card work?

purchases woman and man
Find out how this card works! Source: Adobe Stock

This review shows that the Fortiva® Credit Card can help rebuild credit. In addition, you can catch up on your finances with the help of a reasonable limit card.

As it does not require a minimum credit score, APR and other fees, such as foreign transactions, are high. However, timely payments are reported to major credit bureaus and can improve your credit score.

Fortiva® Credit Card pros and cons

The Fortiva® Credit Card can be ideal for people without a good credit history. He has a good use report to credit agencies, which favors the growth of his score.

However, there are many associated fees like foreign transactions and down payments. Also, you don’t have an easy way to increase the limit with this option. Check out the main pros and cons.


  • You can track your score improvement through Equifax’s free VantageScore 3.0;
  • The company provides a monthly credit usage report to the country’s main agencies;
  • A good credit score is not required to apply;
  • Fraud Disclaimer.


  • This card option doesn’t have an easy-to-achieve limit increase;
  • It has many associated fees, including late fees, balance transfers, and advance and foreign transaction fees.
  • It may take time for approval, depending on your situation.

Does my credit score need to be good?

As you may have noticed in this review, the Fortiva® Credit Card does not require a good credit score. That is, even if you have a poor or bad score, you can request this option.

However, as we said earlier, interest rates are high, given the creditor’s distrust regarding the payment on time. Therefore, you can have a card, but with high associated fees.

Want to apply for the Fortiva® Credit Card?

Anyone over the age of 18 and a US citizen can apply for the Fortiva® Credit Card.

However, it is important to know how to apply correctly to increase the chances of approval. Check out how to apply in our post below!

fortiva logo

How to apply for the Fortiva® Credit Card?

The Fortiva® Credit Card has a good credit limit, and you don't need a good score to qualify. Find out how to apply!

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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