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Are you looking for a higher spending limit and cash back on purchases?

The Fortiva® Mastercard® Credit Card offers an excellent initial credit limit and up to 3% back!


The Fortiva® Mastercard® Credit Card is ideal for anyone with a bad credit score. After all, it is one of the few cashback credit card options for people without a good credit score. With it, you get cashback up to 3% on selected purchases. You can also do your credit rebuild with regular use and payment.


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This credit card is a great gift for anyone with a bad credit score. Check out all the benefits it can offer.

No program fees;
3% cash back on eligible purchases for gas, utilities, and groceries, and other eligible purchases;
No need to pay for an initial deposit;
No good credit score required.

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Step into a world where rebuilding credit meets rewarding experiences with the Fortiva® Mastercard® Credit Card.

This card offers a unique blend of features designed for those looking to enhance their credit score while enjoying cashback rewards on everyday purchases.

Let’s delve into the detailed benefits and drawbacks to see if this card aligns with your financial goals.

Advantages to Enjoy

  • Cash back Rewards: Earn 3% back on gas, groceries, and utilities, and 1% on other purchases, making routine spending more rewarding.
  • No Security Deposit Required: Access credit without the upfront cost of a deposit, a boon for those with limited cash resources.
  • Credit Building Opportunity: An excellent tool for those with fair or poor credit to improve their credit score through responsible use.
  • Pre-Qualification Without Credit Impact: Check your eligibility without a hard inquiry, keeping your credit score intact during the application process.
  • Reasonable Credit Limit: Qualify for a credit limit up to $2,000, aiding in budget management and financial planning.
  • Zero Fraud Liability Protection: Enjoy peace of mind with no liability for unauthorized transactions, enhancing card security.
  • Free Access to Credit Score: Monitor your credit health with free access to your credit score, an invaluable asset for credit improvement.

Disadvantages to Keep an Eye On

  • High Annual Fee: The card charges an annual fee ranging from $49 to $175 initially, and $0 to $49 afterwards, which can be steep.
  • Elevated Interest Rates: With an APR of 22.74% or 36%, carrying a balance can lead to significant interest charges.
  • Account Maintenance Fee: An annual fee of $60 to $159 (billed monthly) adds to the cost of holding the card.
  • Extra Charge for Authorized Users: Adding a user incurs a $19 fee, which may deter those wanting a joint account.
  • Steep Late Payment Fee: Late payments attract up to a $41 fee, higher than many other credit cards.
  • Absence of Introductory APR Offers: Lacks special introductory rates on purchases or balance transfers, a common feature in other cards.
  • Rewards Offset by Fees: The potential rewards can be easily overshadowed by the various fees associated with the card.

The Fortiva® Mastercard® Credit Card can be a strategic choice for individuals focused on rebuilding their credit while earning cash back on essential purchases.

However, the array of fees and high interest rates necessitate a careful evaluation of whether the benefits justify the costs.

Ideal for those who are vigilant with their payments and can leverage the cash back rewards, this card demands financial management to truly be effective.

The Fortiva® Mastercard® Credit Card 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, the application allows you to pre-qualify without changing your score to find out about the associated fees.

Because this credit card has many benefits that other options don’t have. It has the Possibility of pre-qualification without affecting the credit score. In addition, it has free access to Equifax’s VantageScore 3.0 credit score inquiries. It does not require an initial deposit for use or account opening, and cards can be used for payment on major digital platforms.

You can get incredible perks by using the Fortiva® Mastercard® Credit Card. For example, you’ll get up to 3% cash back rewards with no maximum. Moreover, you can get this card as an unsecured option with no security deposit. Also, you can check your credit score for free and get transaction alerts on your phone to keep track of your credit card usage!

Do you want to learn how you can easily apply for the Fortiva® Mastercard® Credit Card? Then check the following link and we’ll tell you.

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!

The Fortiva® Mastercard® Credit Card is excellent for those who don’t have a good credit score. However, the Petal® 1 Visa® Credit Card is an interesting alternative.

With no annual fee and credit building features, you can earn up to 10% back on select merchants – perfect for savvy spenders. Learn more about it in the post below!

Petal 1 Visa credit card

How to apply for the Petal® 1 Visa® Credit Card

Ready to get a credit card fast and easy? Here is what you can expect when you apply for the Petal® 1 Visa® Credit Card.

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