Reviews
Fortiva® Mastercard® Credit Card Review
Discover the pros and cons in our Fortiva® Mastercard® Credit Card review. Ideal for credit building and earning cash back on utilities and groceries, it's tailored for those rebuilding their credit history.
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Available for all credit scores with no security deposit!
Getting a good reward credit card is everyone’s wish. In this review of the Fortiva® Mastercard® Credit Card, you’ll discover whether this option meets your needs.
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 still want a rewards card. After all, the Fortiva® Mastercard® offers credit even to those with less-than-perfect credit.
- Credit Score: Good/ Fair/ Poor;
- Annual Fee: $49 to $175 during your first year as a member, then $0 to $49 per year;
- Regular APR: 29.99% or 36% (variable);
- Welcome bonus: None;
- Rewards: Up to 3% cash back on eligible purchases.
How does the Fortiva® Mastercard® Credit Card work?
This review presents the Fortiva® Mastercard® Credit Card, a card for those who like cashback and one of the few cashback options for people with bad credit scores.
If eligible, you could be approved for the Fortiva Credit Card or the Fortiva Cash Back Rewards Card. The cash-back version offers up to 3% cash back in select categories and 1% on other purchases.
However, the Fortiva Cash Back Rewards Card comes with significant fees and a high APR, making it important to carefully evaluate the benefits against the costs.
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 $2,000, even with a bad credit score. In addition, the application allows you to pre-qualify without changing your score.
And even if you’re not approved for the cash-back version, you might still qualify for the basic version of the card, which can help you rebuild your credit score while providing access to essential credit services.
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Fortiva® Mastercard® Credit Card pros and cons
The Fortiva® Mastercard® is an interesting option. After all, it offers cashback between 1 and 3% and can still be requested by those with bad credit scores.
However, to qualify for this option, you must pay a relatively high APR and initial membership fees. So, it’s important to weigh the pros and cons to see if the alternative is worth it.
Pros
- Possibility of pre-qualification without affecting the credit score;
- Limit up to $2,000 even with a bad credit score, subject to prior assessment;
- Free access to TransUnion’s VantageScore 4.0 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;
- Associated fee for foreign transactions;
- Might not be approved for the cash-back version card.
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.
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!
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