Credit Cards
Fortiva® Mastercard® — Prequalify for Up to $1,000 Credit Limit
An unsecured Mastercard® with up to 3% cash back rewards on eligible gas, grocery, and utility bill payments (1% on other eligible purchases). Fortiva says even less-than-perfect credit is accepted, and no program fee or initial deposit is needed to open an account.
- Up to $1,000 Credit Limit
- Up to 3% Cash Back on Eligible Categories
- No Initial Deposit
- Prequalify With No Credit Score Impact
Start the prequalification on Fortiva's secure application page. Checking whether you prequalify uses a soft inquiry that does not hurt your credit score.
If you prequalify, review the offer, including its credit limit, rates, and fees. If you accept an offer, a hard inquiry will be made.
Final approval depends on meeting all applicable criteria, including adequate proof of ability to repay. Income verification through your bank account information may be required.
What the Fortiva® Mastercard® offers
Up to 3% cash back rewards
Earn 3% on eligible gas and grocery purchases and utility bill payments, and 1% on other eligible purchases and bill payments. Fortiva lists no maximum.
Up to $1,000 credit limit
Prequalify for a credit limit of up to $1,000. Your actual limit depends on the offer you receive, and approval isn't guaranteed.
Know the costs
Fortiva's published pricing shows a purchase APR of 29.99% or 36% based on creditworthiness, an annual fee of $49 to $175 (then $0 to $49 a year), and an account maintenance fee of $5 to $15 a month after the first year. Your offer's terms may differ.
No initial deposit
It's an unsecured card — no initial deposit is needed to open an account, and Fortiva says no program fee is required.
Free credit score
Your credit score is available in your online account 60 days after your account is opened (registration required). It is for educational purposes only.
Transaction alerts
Get real-time account notifications so you can keep track of activity on your card.
Zero fraud liability
Protection against unauthorized charges, subject to Mastercard® rules.
Common questions
- Does checking if I prequalify affect my credit score?
- No. Prequalifying uses a soft inquiry that will not affect your credit. If you accept an offer, a hard inquiry will be made.
- How does the cash back work?
- You earn 3% cash back rewards on eligible gas and grocery purchases and utility bill payments, and 1% on other eligible purchases of goods and services and bill payments. Rewards are earned when a transaction posts and don't apply to fees, interest, balance transfers, cash advances, or cash equivalents. Fortiva lists no maximum.
- What fees and interest does it charge?
- Fortiva's published pricing lists a purchase APR of 29.99% or 36% based on creditworthiness, an annual fee of $49 to $175 (then $0 to $49 a year), and an account maintenance fee of $60 to $180 a year ($5 to $15 a month) after the first year. There are also cash advance, balance transfer, foreign transaction, late, and returned payment fees. The terms in your specific offer are the ones that apply to you.
- Do I need a security deposit?
- No. It's an unsecured card, and Fortiva says no program fee or initial deposit is needed to open an account.
- Is approval guaranteed?
- No. Final approval is not guaranteed if you do not meet all applicable criteria, including adequate proof of ability to repay, and income verification through your bank account information may be required.
- Who issues the card?
- Fortiva® Mastercard credit cards are issued by The Bank of Missouri pursuant to a license by Mastercard International Incorporated.
Important: Prequalify means that you authorize the issuer to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required. You earn 3% cash back rewards when you use the card for eligible gas and grocery purchases and utility bill payments, and 1% cash back rewards on other eligible purchases of goods and services and bill payments. Rewards are earned when the transaction posts and remain as long as the purchases and bill payments are not returned or credited. Purchases do not include fees or interest charges, balance transfers, cash advances, or purchases of other cash equivalents. Rewards are not earned for pending transactions. Review the issuer's Cash Back Rewards Program Terms for details. The free credit score is available in your online account 60 days after your account is opened (registration required), is for educational purposes only, and may not be used by The Bank of Missouri or other creditors to make credit decisions. Fraud liability subject to Mastercard rules. Rates and fees shown are from Fortiva's published Pricing Information Addendum (pricing listed as accurate as of October 2024); the issuer says the terms that apply to you depend on your specific card offer. Fortiva® Mastercard credit cards are issued by The Bank of Missouri pursuant to a license by Mastercard International Incorporated. Mastercard and the circles design are registered trademarks of Mastercard International Incorporated. Found Benefits is not the provider and does not make lending, enrollment, card, scholarship, aid, approval, funding, cash back, or eligibility decisions. Availability, amount, timing, rates, and fees are determined by the provider or lender network. Review the destination site’s terms, privacy policy, fees, repayment terms, accreditation details, tuition, program requirements, and other conditions before submitting information.
