Last Updated: 10/08/2025
Fortiva® Cash Back Rewards Mastercard
Unaffiliated
in Credit Cards from Fortiva Financial
Last Updated: 10/08/2025
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)
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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.
What is the login page for Fortiva?
You can access the login page of Fortiva here.
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.
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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.