Last Updated: 05/14/2026
SuperMoney User Recommendation Score -100
Strongly not recommended13 total votes
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Highlights
Community Rating
Strongly not recommended
Purchase APR (Variable APR)
36%(Verified 03/26/2025)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
36%(Verified 03/26/2025)
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Credit Score Range
300 - 850
Annual Fee
Starting at $85
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Number of Reviews
Fortiva® Cash Back Rewards Mastercard Review
This is a cashback credit card issued by The Bank of Missouri. If you're wondering whether Fortiva® Cash Back Rewards Mastercard is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 3x.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 36%
- A 3% balance transfer fee. Fortiva® Cash Back Rewards Mastercard charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Fortiva
| The Good | The Bad |
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Fortiva FAQ
Does Fortiva have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Gas | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Groceries | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Utilities | Up to 3 % cash back (*See Program Terms for important information about the cash back rewards program.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Fortiva have a signup bonus?
This card doesn't offer a cash signup bonus.Does Fortiva offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the Fortiva benefits?
Fortiva® Cash Back Rewards Mastercard provides the following benefits:
- Free Credit Score
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Fortiva?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Fortiva® Cash Back Rewards Mastercard has a variable purchase APR of 36%. The card has a variable balance transfer APR of 36% . It also has a variable cash advance APR that ranges from 29.99% up to 36%.
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Fortiva have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Fortiva have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Fortiva?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | Starting at $85 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee as low as $85.
Does Fortiva have a foreign transaction fee?
Fortiva charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Fortiva?
The customer service number for Fortiva is (800) 245-7741.
What is the support contact email for Fortiva?
The support contact email for Fortiva is PartnerInfo@fortivafinancial.com.
How do people rate the customer service and user experience of Fortiva?
Overall, Fortiva is strongly not recommended based on community reviews that rate customer service and user experience.
Does Fortiva® Cash Back Rewards Mastercard report your account activity to credit bureaus?
Yes, Fortiva® Cash Back Rewards Mastercard reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Fortiva Financial perform a hard credit pull?
Yes, Fortiva performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Fortiva
- Visit the website of Fortiva.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users don't recommend this product, giving it a user recommendation score of -100, or 1 on a 5-point rating scale.
-100
-1000+100
No one recommends
Everyone recommends
Fortiva® Cash Back Rewards Mastercard Community Reviews
Would you recommend Fortiva® Cash Back Rewards Mastercard to your friends?
U
Anonymous
Oct 11, 2023
May or may not recommend
I've had a Fortiva credit card for about a year and a half now. They advertised 'No Annual Fee'. I've charged around $1,100 in the past and never been late and am paying this enormous interest rate of 32%+ now. I have a perfect record with my account. However, they sent me an email saying they're changing their terms and conditions. From now on they will be charging an 'Annual ...Show More
JS
Joe S.
Jun 26, 2023
May or may not recommend
Open fortiva card for bobs furniture purchase ( needed bed ) opened in oct had $1300 balance payed it all off on time by April had $0 balence so kept open with no balance til Oct and was gonna close before the membership fee hit again on the 20th of Oct so closed account Oct 1-5 well apparently they closed the card not account so I tried to close again ...Show More
DO
David O.
Jun 14, 2023
May or may not recommend
NEVER DO BUSINESS WITH THIS COMPANY OR ANY COMPANY THAT USES THEM FOR FINANCING. They will randomly switch your retail loan (security system payment, etc) to a CREDIT CARD LOAN. Then start reporting that new Credit Card to credit unions.
THE PROBLEM with this is you can make all your payments faithfully but they'll convert you to a card with an extremely low credit limit. Causing your Credit Utilization to sky ...Show More
IG
Isabel G.
Jun 3, 2023
May or may not recommend
Someone committed fraud on my card. I filed a report. When the package arrived I refused it with proof. I filed fraud report. First they said it was taken care of now the keep sending me statements that I’m late and payment overdue. NO ONE WILL HELP ME. Very rude and unprofessional people there snd this is hurting my credit…. I NEED HELP. I CANCELED THIS CARD BEFORE THIS PARTICULAR ...Show More
NK
Nicholas K.
May 11, 2023
May or may not recommend
Worst credit card ever, worst customer service ever. Was put on auto pay for the full statement balance of 1900 while taking a line of credit. Why would I need to take a line of credit if I had that amount. They charged me a late fee, told me to call my bank to have it returned. Now I cant even pay it with my bank account. Set up auto ...Show More
JM
John M.
Apr 6, 2023
May or may not recommend
One of the worst credit card companies I have ever dealt with. They locked me out of my online account and their reset password link didn't work. They also could not send me a reset link to my phone number on file. They had the nerve to ask me to write them a letter to fix this problem. I had a previous problem with an authorized ...Show More
TT
Tommy T.
Oct 16, 2022
May or may not recommend
THEY SEND YOU SOMETHING IN THE MAIL...HIT YOUR CREDIT THEN HARD PULL AND DENY DO NOT APPLY
U
Anonymous
Jul 29, 2022
May or may not recommend
Horrible! Had the card almost 2 yrs. Paid my original 1200 balance off within the first 8 months. Maintained the ridiculous monthly fee that started after the first 12 months! The auto pay didn't work correctly! Always checking the app to make sure the payment processed.
I get a random email stated my account has been closed for inactivity! Can't reach anyone and get a generic email stating account is permanently ...Show More
SH
Stephen H.
May 8, 2022
May or may not recommend
In my opinion it's the definition of predatory. I filled out their the pre-approval application for the heck of it since I didn't need another card. I was approved for $1,000 BUT the fees were again predatory.
$175 annual fee, around a $12.50 monthly fees which totals around $150 plus apparantly a $25 fee for a grand total of around $350 just in fees.
So if I accepted it, without ...Show More
JW
Jason W.
Apr 2, 2022
May or may not recommend
k I’ve Made A Payment Of $250 One Week Than The Next Week Of $70 Which Will Have Put My Account At $502 They Keep Saying They Didnt Receive The Payment When I Call But Yet The Money Comes Out Of My Account This Card Is A Scam Now I Have My Lawyer Working On Getting My Account Closed Without Facing Any Penalties Then When You Call The Customer Services ...Show More
DW
David W.
Mar 1, 2022
May or may not recommend
I applied for the Fortiva card and was approved in January 2022. Shortly thereafter, I tested positive for Covid and was unable to work for five weeks due to lingering symptoms of long Covid. Due to my payment to Fortiva being returned by my credit union, my card was cancelled and my charging privileges were revoked, so I had the use of my card for less than 60 days before ...Show More
MY
Michael Y.
Oct 8, 2021
May or may not recommend
STAY AWAY from Fortiva Credit Card!!! Very HIGH fees = @ $150 PER YEAR!!!! NO CASH BACK or REWARDS!!! When you Cancel they CONTINUE to CHARGE FEES PLUS PENALTIES and INTEREST!!!!!!! Very SHADY and UNSCRUPULOUS!!! Michael in Philadelphia
CG
Cheryl G.
Nov 22, 2020
May or may not recommend
The interest is already high at 28.99%, but then a $12.50 monthly fee in added for "account maintenance". I got rid of this card as fast as I could.
Showing 13 of 13 reviews
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