Fortiva Credit Card

Fortiva Credit Card Review

This is a card issued by Fortiva Financial. If you're wondering whether Fortiva Credit Card is the right card for you, read on.

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 22.74% up to 36%.
• 3% Balance transfer fee. Fortiva Credit Card 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 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 have relatively good approval odds.

Pros & Cons of Fortiva Credit Card

The Good	The Bad
Opportunity to rebuild less than perfect credit. Free access to your credit score. Identity Theft Protection. Considers applicants with fair 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 up to . 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.

Fortiva Credit Card FAQ

Does Fortiva Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Fortiva Credit Card benefits?

It 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 regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Fortiva Credit Card has a variable purchase APR that ranges from 22.74% up to 36%. The card has a variable balance transfer APR that ranges from 25.74% up to 36%. It also has a variable cash advance APR that ranges from 25.74% up to 36%.

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

What are the fees for Fortiva Credit Card?

The following fees apply:

Fortiva Credit Card Fees

Fees	Amount
Annual Fee	N/A
Foreign Transaction Fee	3%
Returned Payment Fee	up to $40
Late Payment Fee	up to $40

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

Yes, 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 may 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.