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  Fortiva Credit Card

Fortiva Credit Card

in Personal Credit Cards from Fortiva Financial

Unaffiliated

Fortiva Credit Card

Unaffiliated

in Personal Credit Cards from Fortiva Financial

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Highlights
Highlights
Purchase APR  (Variable APR) 21.99% - 36%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 850
Annual Fee $49

Fortiva Credit Card Review

Fortiva Credit Card is a credit card issued by Fortiva Financial. If you're wondering whether Fortiva Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key takeaways:

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR that ranges from 21.99% up to 36%.
  • 3% Balance transfer fee. Fortiva Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.

Fortiva Credit Card Pros and Cons:

The Good The Bad
  • Opportunity to rebuild less than perfect credit.
  • Free access to your credit score.
  • Considers applicants with fair or poor credit.
  • Fortiva Credit Card reports to multiple credit bureaus.
  • High annual fee.
  • First-year account maintenance fee.
  • There is a $25 one time "Program Fee".
  • Higher than average purchase APRs.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card rewards.

Is there a Fortiva Credit Card cash back or rewards program?

No, Fortiva Credit Card does not offer a rewards program.

What are the Fortiva Credit Card benefits?

Fortiva Credit Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Fortiva Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Fortiva Credit Card has higher than average purchase APRs.

Fortiva Credit Card has a variable purchase APR that ranges from 21.99% up to 36%. It also has a variable cash advance APR that ranges from 24.99% up to 36%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Does Fortiva Credit Card have an introductory APR offer on balance transfers?

No, Fortiva Credit Card does not come with an introductory APR offer for balance transfers.

Does Fortiva Credit Card have an introductory APR offer on new purchases?

Fortiva Credit Card does not offer an introductory rate on new purchases.
Fortiva Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Fortiva Credit Card?

The following fees apply to Fortiva Credit Card:

Fortiva Credit Card Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 3%
Returned Payment Fee up to $39
Late Payment Fee up to $39

Does Fortiva Credit Card have a foreign transaction fee?

Fortiva Credit Card charges a foreign transaction fee of 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 a foreign transaction fee.

Does Fortiva Credit Card report your account activity to credit bureaus?

Fortiva Credit Card reports your account activity to the following credit reporting agencies:

  • 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 can help improve your credit.

How to apply for Fortiva Credit Card

  • Visit the Fortiva Credit Card website.
  • 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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.

Contact

  • Headquarters
  •   5 Concourse Pkwy STE 400
    Atlanta, GA 30328
  •   Visit Site

Other Services by Fortiva Financial

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee $49
Returned Payment Fee Up to $39
Additional Card Fee Amount $25
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Card Type
  • Bad Credit
  • Balance Transfer
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Free FICO Score  
Cash Advance APR (Variable APR) 24.99% - 36%
Balance Computation average daily balance
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 21.99% - 36%
Balance Transfer Fee % 3%

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