Designed for people with less-than-perfect credit, Fortiva offers real purchasing power—with no security deposit required and features that support responsible credit use. Traditional cards often rely heavily on your credit score, limiting options for many consumers. Fortiva uses a more inclusive approval process to give you access to credit, even if your financial past includes challenges. With monthly reporting to all three major credit bureaus and tools to help manage your account, the Fortiva Mastercard can support you in building a stronger credit profile over time.
This card is issued by The Bank of Missouri and powered by the Mastercard network—meaning global acceptance, account protection features, and mobile-friendly management tools. With cash back rewards, credit monitoring, and clear monthly statements, Fortiva is more than a credit card. It’s a step forward.
The Fortiva Mastercard is designed to open doors—offering a second chance with features that help you take control of your credit.
Outstanding Benefits of the Fortiva Mastercard
1. No Security Deposit Required
Unlike secured cards, Fortiva doesn’t require upfront cash to access a credit line. It’s a fully unsecured card that helps you build credit without tying up your money.
2. Reports to All Three Major Credit Bureaus
Fortiva reports your payment history to Experian, Equifax, and TransUnion. With consistent, on-time payments, you can start improving your credit over time.
3. Credit Monitoring Tools Included
Stay informed about your financial progress. With access to credit score tracking and alerts, you can monitor your credit health in real time.
4. Cash Back Rewards on Purchases
Earn cash back on eligible purchases—making Fortiva one of the few credit-builder cards that lets you earn while you spend.
5. Mobile App & Online Account Access
Manage your account 24/7 through the Fortiva app or online portal. Track purchases, make payments, and set up alerts easily.
6. Mastercard Global Acceptance
Use your Fortiva card anywhere Mastercard is accepted—millions of locations worldwide, including online shopping, travel, dining, and more.
7. Fraud Protection & Zero Liability
Enjoy Mastercard security benefits like fraud monitoring and zero liability for unauthorized purchases.
8. Personalized Credit Offers
Receive customized credit line offers based on your profile, with opportunities for increases over time as you use the card responsibly.
Who Can Apply for the Fortiva Mastercard?
You may be eligible for the Fortiva Mastercard if you:
- Are at least 18 years old
- Have a valid Social Security Number or ITIN
- Have a U.S. residential mailing address
- Can provide basic income and identity verification
- Meet Fortiva’s underwriting criteria based on their inclusive evaluation process
This card is ideal for individuals looking to rebuild or establish credit without needing to provide a security deposit.
How to Apply for the Fortiva Mastercard
Applying is fast, secure, and won’t impact your credit score during pre-qualification. Here’s how to apply:
- Visit the Fortiva Pre-Qualification Page
Begin by accessing the pre-qualification tool to check your eligibility with no impact on your credit score. - Submit Your Information
Provide personal details including name, address, income, and Social Security Number. - Review Your Offer
If pre-qualified, you’ll receive a personalized offer that outlines your credit limit, APR, and terms. - Accept the Terms
Confirm your interest and proceed with full application. A hard credit check may be required at this stage. - Activate and Use Your Card
Once approved, your card will be mailed to you. Activate it online and begin using it to make purchases and build credit.
Take Control of Your Financial Future Today
The Fortiva Mastercard isn’t just a credit card—it’s a chance to prove your financial responsibility, access real credit, and take steps toward better financial health. With no deposit, credit-building benefits, and mobile account management, it’s built for where you are and where you want to go. Apply today and start building credit—your way.
