If you’re considering the Fortiva® Cash Back Rewards Mastercard, this section shows you how to apply, what you’ll need, and how to manage the card responsibly to avoid surprises.
Step-by-Step Application Process
- Check Eligibility: Be at least 18 years old, U.S. resident with a Social Security Number, with fair or poor credit acceptable.
- Have your financial info ready: Income information, bank account details, employment status. You’ll be asked about your ability to pay fees and interest.
- Submit application online: Use Fortiva’s official application portal or pre-qualification check (which may be a soft inquiry in some cases).
- Review disclosed terms: Make sure you understand the annual fee, possible maintenance or monthly fees, APR, foreign transaction fee, late payment fee.
- Await approval and credit limit assignment: If approved, you’ll receive a credit limit which may be modest (often up to ~$1,000).
Activation & First Use
Once you’ve been approved and receive your card by mail, activate it via Fortiva’s website or customer service as instructed. Then, you can begin using it immediately for purchases.
Tips for Responsible Use
- Always pay your full balance each month to avoid paying the high APR interest.
- Keep credit utilization (balance/limit) as low as possible — below 30% is generally good.
- Use especially the 3% categories (gas, groceries, utilities) for regular spending to get maximum rewards.
- Avoid foreign transactions when possible due to the 3% fee.
- Set reminders or autopay to avoid late fees (~$41).
- Monitor credit reports to ensure Fortiva is reporting accurately each month.
Security & Support
The card includes standard Mastercard protections, $0 fraud liability, and access to a credit-score view (VantageScore 4.0 via TransUnion) for educational purposes. Customer service is available via phone, app, or website. Be cautious and keep records of terms especially any changes to fees.
Conclusion
The Fortiva® Cash Back Rewards Mastercard has real upsides — cash back on everyday purchases, no security deposit, and credit reporting to all bureaus — but it’s expensive. The high APR and large fees mean this card is only worth it if you pay on time, keep balances low, and use it primarily for essentials that you would buy anyway.
Pros: Rewards, no deposit, credit building, 3% on gas/groceries/utilities.
Cons: Very high APR and fees, foreign transaction fees, rewards only redeemed annually, limit may be small.