If you’re searching for a credit card that gives you the opportunity to rebuild your financial reputation, the Fortiva Mastercard may be your ideal match. It helps you take steps toward a stronger credit profile without locking you out with impossible requirements.
Unlike many options on the market, Fortiva isn’t just about access—it’s about progress. With no deposit required, fast prequalification, and tools to help you stay in control, it provides more than just plastic in your wallet—it gives you a renewed sense of financial freedom. Backed by The Bank of Missouri, this card offers security, accessibility, and the chance to grow responsibly.
Fortiva Mastercard Advantages You’ll Appreciate
1. No Security Deposit Necessary
You won’t need to come up with a cash deposit to start using your Fortiva Mastercard. Unlike secured cards that require hundreds of dollars as a guarantee, this card is completely unsecured, giving you access without upfront costs.
2. Credit Activity is Reported to Major Bureaus
Every month, your account is reported to Equifax, TransUnion, and Experian, which means consistent, responsible use can boost your credit score over time.
3. Soft Inquiry Prequalification
You can find out whether you’re eligible before applying, with no risk to your credit score. Fortiva performs a soft credit check during prequalification—so if you’re not approved, your credit remains unaffected.
4. Real-Time Mobile Account Control
Through the Fortiva mobile app, you can instantly monitor your transactions, review statements, make payments, and activate alerts to avoid missing due dates.
5. Accepted Everywhere Mastercard Is
Enjoy global convenience. This card is accepted at millions of locations worldwide, online and in-store, so you can shop, travel, and pay bills without limitations.
6. Personalized Credit Limits
Your initial credit limit is based on your profile. Fortiva reviews your financial background to assign a realistic and manageable credit line, giving you space to prove yourself.
7. Potential for Limit Increases
With on-time payments and responsible account usage, Fortiva may offer you a higher credit limit, helping improve your credit utilization ratio—a major factor in boosting your score.
8. Advanced Security Protections
Enjoy zero liability for unauthorized purchases, giving you peace of mind if your card is ever lost or stolen.
9. No Collateral Required
This card doesn’t ask for security or property—you’re approved based on your personal financial data, not what you can put down.
10. Instant Decisions for Most Applicants
When you apply online, most people receive a decision within minutes—no waiting days or weeks to find out if you’re approved.
Who Can Apply?
You are eligible to apply if you meet the following requirements:
- Must be 18 years or older (19+ in some states)
- Must reside in the United States with a valid physical address
- Have a valid Social Security Number or ITIN
- Provide proof of income or employment
- Not currently in bankruptcy
- Do not currently own another Fortiva account
- Must agree to credit evaluation and identity verification
How to Apply
Applying for the Fortiva Mastercard is simple. Follow these steps:
- Visit the Fortiva website
- Click on “Prequalify Now”
- Fill in your personal and financial information
- Submit to see if you qualify (this step uses a soft credit pull)
- Review your offer and continue with the full application if eligible
- Accept the terms and conditions
- Get your approval decision in minutes
- If approved, your card will be mailed promptly
Frequently Asked Questions (FAQs)
1. Do I need to pay a deposit to open this card?
No, the Fortiva Mastercard is unsecured and does not require a deposit.
2. Is this card good for rebuilding credit?
Yes, it reports to all three major bureaus and helps improve your credit score through on-time payments and low balances.
3. Will I know if I’m approved before applying?
You can prequalify first, which uses a soft credit check and won’t impact your score.
4. Where can I use my Fortiva Mastercard?
Anywhere that accepts Mastercard—online, in-store, and internationally.
5. Is there a mobile app for account access?
Yes. The Fortiva Account Center app lets you track your account in real-time from your smartphone.
6. How quickly will I receive my card?
After approval, your card is typically shipped within 7–10 business days.
7. What if I’m not approved?
Your credit score won’t be affected by the prequalification process. You’re free to reapply later.
8. Does this card offer fraud protection?
Yes, it includes zero fraud liability protection for unauthorized charges.
9. Can I get a credit limit increase?
Yes. If you maintain good payment habits, Fortiva may raise your credit limit.
10. Is there an annual fee?
Yes, and the amount will vary based on your credit profile. All terms are disclosed during application.
