Reviews

Fortiva® Mastercard® Credit Card full review

A rewards credit card can be a reality for anyone with a bad credit score. Discover the Fortiva® Mastercard® Credit Card review!

Advertisement

by Sabrina Paes

Published on 11/19/2022

Fortiva® Mastercard® Credit Card: No initial deposit for a bad score

Fortiva® Mastercard® Credit Card
Read our Fortiva® Mastercard® Credit Card full review! Source: My Fortiva

Getting a good reward credit card is everyone’s wish. In this sense, in this Fortiva® Mastercard® Credit Card review, you will find out more about this option.

Fortiva® logo

How to apply for Fortiva® Mastercard® Credit Card

Want rewards even with a bad credit score? Then discover how great the Fortiva® Mastercard® Credit Card can be and how to apply!

Here’s the solution if you don’t have a good credit score but need a rewards card. After all, the Fortiva® Mastercard® Credit Card brings credit to those who don’t have a good credit score.

  • Credit Score: Good/ Fair/ Poor;
  • Annual Fee: $29 to $175.
  • Regular APR: 29.99% to 36% Variable APR;
  • Welcome bonus: None;
  • Rewards: 3% cash back on eligible purchases for gas, utilities, and groceries, 1% cash back on all other purchases.
  • Terms apply.

Advertisement

How does the Fortiva® Mastercard® Credit Card work?

The Fortiva® Mastercard® Credit Card, presented in this review, is a card for those who like cashback. Also, it is one of the few cashback options for people with bad credit scores.

The card offers a 3% cash back on gas, groceries, and utility purchases. In addition, it also offers 1% cash back on other purchases.

With this credit card, your initial limit can go up to $1000, even with a bad credit score. In addition, the application allows you to pre-qualify without changing your score to find out about the associated fees.

Fortiva® Mastercard® Credit Card pros and cons

woman with credit card
Check out the pros and cons of this credit card! Source: Adobe Stock

The Fortiva® Mastercard® with Cash Back Rewards from this review is an interesting option. After all, it has cashback between 1 to 3% and can still be requested by those with a bad credit score.

However, it has a relatively high APR and initial membership fees to qualify for this option. So it’s important to weigh the pros and cons to see if the alternative is worth it.

Advertisement

Pros

  • Possibility of pre-qualification without affecting the credit score;
  • Limit up to $1000 even with a bad credit score, subject to prior assessment;
  • Free access to Equifax’s VantageScore 3.0 credit score inquiries;
  • No initial deposit is required for use or account opening;
  • Cards can be used for payment on major digital platforms.
  • Attractive cashback between 1 and 3%;
  • Contributes to credit score reconstruction;
  • Bonuses are divided according to card usage category.

Cons

  • High initial enrollment fees;
  • Relatively high APR rates;
  • The associated fee for foreign transactions.

Does my credit score need to be good?

As presented in this Fortiva® Mastercard® Credit Card review, this credit card does not require a good credit score. People with all types of credit scores can apply for the card.

However, interest rates and APR are subject to credit analysis and may be higher with a bad credit score. However, you can pre-qualify on the website and find out which plan is right for you.

Want to apply for the Fortiva® Mastercard® Credit Card?

The Fortiva® Mastercard® Credit Card is attractive for all credit scores. However, you need to know how to apply correctly to be approved. Check out this post for a step-by-step guide.

Fortiva® Mastercard® Credit Card

How to apply for Fortiva® Mastercard® Credit Card

Want rewards even with a bad credit score? Then discover how great the Fortiva® Mastercard® Credit Card can be and 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).

Trending Topics

content

American Express Gold credit card full review

The American Express Gold credit card may be the right choice if you want to enjoy traveling and entertainment perks. Learn more about it!

Keep Reading
content

Apply for Lexington Law: how to get your approval fast

Lexington Law can help you rebuild credit. Check out how to apply for Lexington Law and succeed with this credit repair company!

Keep Reading
content

Tips on how to invest in a bear market

Learn two valuable tips on how to invest during a bear market to protect your funds and make the most of this economic downturn.

Keep Reading

You may also like

content

Extra debit card full review

Your debit card can be better. This review will show the benefits of using Extra debit card to spend your money in a better way.

Keep Reading
content

What are the real advantages of cashback?

The advantages of cashback are powerful in the long term, and in this article you will learn how this works. Read on to find out more!

Keep Reading
content

Rocket Loans or LightStream Loans: pros and cons

Choosing the best loan for you can be quite a challenge. However, Rocket Loans or LightStream Loans can be good options. Check out!

Keep Reading