Looking to get your finances back on track and access a credit card that aligns with your current goals? The Fortiva Mastercard could be exactly what you need. Whether you’re trying to repair your credit, cover essential expenses, or just want a credit solution that works with your situation—not against it—Fortiva brings a modern and supportive approach to financial recovery.
This card is more than a payment method—it’s a solid second chance for those with less-than-perfect credit. Issued by The Bank of Missouri, it offers flexibility, quick prequalification, and reporting to credit bureaus, all without requiring a security deposit. If you’ve been turned down before, Fortiva gives you a new way forward.
Top Benefits of the Fortiva Mastercard
1. No Security Deposit Needed
Unlike secured cards that require a refundable deposit, the Fortiva Mastercard is unsecured, meaning you won’t have to make any upfront payments to open your account. You can start using your card without dipping into your savings.
2. Monthly Credit Reporting to Major Bureaus
Your account activity is shared with Experian, TransUnion, and Equifax, giving you the opportunity to improve your credit score with responsible use, timely payments, and careful balance management.
3. Prequalify Without Affecting Your Credit
Curious if you qualify? Fortiva uses a soft credit inquiry for its prequalification process, so there’s no risk to your current score if you aren’t approved right away.
4. Manage Your Card from Anywhere
The Fortiva Account Center app allows you to keep track of your balance, make payments, and receive updates in real time—all from your mobile device, with simple navigation and secure access.
5. Smart Alerts and Reminders
Set up custom alerts to get notified about upcoming payments, low balances, and recent transactions. These tools can help you avoid late fees and maintain better control over your credit usage.
6. Mastercard Global Benefits
Enjoy all the advantages of the Mastercard network, including zero liability protection, access to fraud resolution services, and the ability to use your card at millions of locations worldwide.
7. Credit Limits That Fit Your Profile
Your initial credit line is determined during the approval process, based on your financial background. Fortiva ensures your credit limit matches your profile, making it easier to manage.
8. Easy Access to Statements and Activity
Log in online to view your transactions and monthly statements. Fortiva gives you digital account access, allowing you to download records and avoid the hassle of waiting for mail.
9. Credit Recovery Made Accessible
This card is tailored for people looking to bounce back after financial struggles. It provides a fair and structured opportunity to rebuild your credit—without barriers or predatory terms.
10. Payments Post Quickly
Payments made through the app or online portal are processed almost instantly, so your available balance updates quickly, and you don’t need to wait long for confirmation.
Who Can Apply?
To be considered for the Fortiva Mastercard, you must meet these requirements:
- Agree to Fortiva’s identity and credit evaluation policies
- Be 18 years or older (or 19+ depending on your state)
- Have a valid Social Security Number or ITIN
- Maintain a residential address within the U.S.
- Show proof of a consistent income source
- Not currently undergoing bankruptcy
- Not already have an open Fortiva account
How to Apply for the Fortiva Mastercard
Applying is quick and user-friendly. Here’s how to do it:
- Visit www.myfortiva.com
- Click on “Prequalify Now”
- Fill out the application with your personal and financial info
- Submit to receive your prequalification results (soft inquiry)
- If eligible, move forward with the full application
- Accept the terms and submit
- Wait for your instant approval decision
- If approved, your card will arrive by mail in a few business days
Frequently Asked Questions (FAQs)
1. Is a deposit required to get this card?
No. The Fortiva Mastercard is unsecured and does not require a security deposit.
2. Will applying hurt my credit score?
Not during the prequalification process. A hard inquiry only occurs if you choose to proceed after being prequalified.
3. Can I use this card outside the U.S.?
Yes. The Fortiva Mastercard is accepted globally, anywhere Mastercard is honored.
4. How can I make payments?
You can pay through the Fortiva mobile app, online account portal, or by mailing a check or money order.
5. How fast is the approval process?
Most users receive a decision within seconds of submitting the full application.
6. Are there annual or monthly fees?
Yes. The exact fees depend on your profile and will be shown during the application process.
7. Can I get a credit limit increase?
Yes. Fortiva may offer credit line increases if you maintain responsible usage over time.
8. Does Fortiva offer an app?
Yes. The Fortiva Account Center app is available for both iOS and Android devices.
9. What kind of credit score is needed to qualify?
This card is intended for those with fair to poor credit, including individuals with past delinquencies.
10. Can I enable automatic payments?
Yes. You can set up autopay through your online account or mobile app to avoid late payments.
