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Fortiva® Cash Back Rewards Mastercard review
How can you improve your score without putting down a security deposit? Find out in the Fortiva® Cash Back Rewards Mastercard review! Read more.
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Fortiva® Cash Back Rewards Mastercard: The perfect card to fortify your credit
If you’re among the millions of people in the US with ruined credit, you know how hard it can be to secure a quality credit card. The Fortiva® Cash Back Rewards Mastercard review helps you to find a solution.
Cardholders can fortify their credit rating and work their way back to good standing. Read on for our review of this unique offering.
- Credit Score: Fair;
- Annual Fee: $85-$175 first year, $229 thereafter;
- Regular APR: 36% Fixed;
- Welcome bonus: There aren’t any welcome bonuses;
- Rewards: Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
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Fortiva® Cash Back Rewards Mastercard: how does it work?
The Fortiva® Cash Back Rewards Mastercard is one of the many credit cards in the market to improve your credit score.
It reports to all three major credit bureaus, and then you can also use it to build up your credit history.
Just use it like any other credit card. Make purchases, keep your balance low, and pay your monthly bill on time. That’s it! No secrets.
In addition, the Fortiva® card offers a higher credit limit than most cards for people with bad credit, so you can make larger purchases and improve your credit utilization ratio.
Cardholders may be offered up to a $1,000 credit limit, depending on their credit score.
Plus, you can earn up to 3% cash back on eligible purchases and another 1% in other categories.
And if you’re ever in a tight spot, Fortiva’s 24/7 live customer service to help you. Finally, you can access and track your score right from the app after 60 days of account use.
Fortiva® Cash Back Rewards Mastercard: should you get one?
This card is for people with low scores who need or want to raise their scores and are looking for cash back and a good limit range.
Let’s jump to the high and low sides of having a Fortiva® Cash Back Rewards Mastercard in your wallet.
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Pros
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments.
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard® is Accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
Cons
- The APR is high.
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Credit score required
The Fortiva® Cash Back Rewards Mastercard doesn’t require high scores. That means a fair credit will be considered.
Fortiva® Cash Back Rewards Mastercard application: how to do it?
Apply for the Fortiva® Cash Back Rewards Mastercard with ease! Learn how to apply today and get started on rebuilding your credit.
Apply online
Fortiva offers a direct online application that can be done in just minutes.
To start, visit their website, and find the card page. Firstly, you’ll need to provide basic personal information like your name and date of birth.
Then it’s time for financial stuff- debt amounts and income levels are important here because those will affect how much credit limit you’ll get and your APR.
Once all this info is submitted successfully (and quickly!), Fortiva® Cash Back Rewards Mastercard makes its decision instantly, so you don’t have to wait.
Once you get approval, they will send a card to the residence of your choice. You can activate it as soon as you receive it and start your journey to repair your credit.
Requirements
These are the requirements to request the Fortiva Card.
- Have a valid Social Security number;
- Be a resident in the U.S or a citizen;
- Be at least 18 years old.
Apply using the app
The Fortiva® Cash Back Rewards Mastercard application has to be made at the website. The app is a tool to keep your account under control after you get your card.
You can find it easily on the main app providers, such as the Apple store and Playstore. It’s free to download.
Fortiva® Cash Back Rewards Mastercard vs. Chime Credit Builder Visa
Fortiva® Cash Back Rewards Mastercard or Chime Credit Builder Visa? Choose your weapon to defeat your bad credit.
The Fortiva card offers up to a $1,000 credit limit. It comes with an annual fee and APR, just like many other cards.
On the other hand, the Chime Credit Builder Visa is a secured card that will activate a credit limit after a secured deposit of at least $200. Conversely, they don’t charge annual fees or APRs.
Fortiva® Cash Back Rewards Mastercard
- Credit Score: Fair;
- Annual Fee: $85-$175 first year, $229 thereafter;
- Regular APR: 36% Fixed;
- Welcome bonus: There aren’t any welcome bonuses;
- Rewards: Up to 3% cash back on eligible gas, purchases, and utilities; 1% cash back on other eligible purchases.
Chime Credit Builder Visa
- Credit Score: All credit scores are accepted;
- Annual Fee: The annual fee is $0;
- Regular APR: 0% APR;
- Welcome bonus: No welcome bonus;
- Rewards: No rewards.
Are you considering applying for the Chime Credit Builder Visa? Get started now!
How to apply for Chime Credit Builder Card
Like everything on the Chime Credit Builder Visa card, the application process is simple, easy, and efficient. Check it out!
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard® rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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