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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

Net Recommendation Score -100

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 22.74% - 36%
Balance Transfer APR  (Variable APR) 25.74% - 36%
Credit Score Range 300 - 850
Annual Fee Starting at $49

Fortiva Credit Card Review

This 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 review will provide you with with all the details you need 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 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 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 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 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. It has higher than average regular APRs.

It 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.

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

No, it does not come with an intro APR offer for balance transfers.

Does Fortiva Credit Card 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 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 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 foreign transaction fees.

What is the customer service phone number for Fortiva Credit Card?

The Fortiva Credit Card customer service number is (800) 245-7741.

How do people rate the customer service and user experience of Fortiva Credit Card?

Overall, Fortiva Credit Card is strongly not recommended based on community reviews that rate customer service and user experience.

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.

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

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

No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $5
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $5
Foreign Currency Transaction Fee 3%
Annual Fee Starting at $49
Returned Payment Fee Up to $40
Additional Card Fee Amount $25
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
  • Free Credit Score
Cash Advance APR (Variable APR) 25.74% - 36%
Balance Computation "average daily balance (including current transactions)."
Penalty APR (Variable APR) 0%
Purchase APR (Variable APR) 22.74% - 36%
Balance Transfer APR (Variable APR) 25.74% - 36%
Balance Transfer Fee % 3%
Card Type
  • Bad Credit
  • Balance Transfer
Card Network Mastercard

Fortiva Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly not recommended by SuperMoney users with a score of -100, equating to 1 on a 5 point rating scale.

-100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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