Does Fortiva Cash Card offer an extended warranty?

The Fortiva Cash Card credit limit is $350 to $1,000. Everyone who gets approved for Fortiva Cash Card is guaranteed a credit limit of at least $350, and particularly creditworthy applicants could get limits a lot higher than that. The higher an applicant’s credit score and income are, the higher the starting credit limit is likely to be.... read full answer

The Fortiva Cash Card credit limit that you start with isn’t necessarily your credit line forever. You can ask to get a credit limit increase by calling the Fortiva customer service number on the back of your card, but it’s best not to ask more than once a year. Fortiva will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Fortiva.

The Fortiva Cash Card annual fee is $49 - $175 for the first year and $0 - $49 after that. The Fortiva Cash Card also charges cardholders monthly fees, starting with the second year an account is open.

Fortiva Cash Card Fees

• Annual Fee: $49 - $175 1st yr, $0 - $49 after
• Cash Advance Fee: 5% (min $5)
• Foreign Fee: 3%
• Max Late Fee: $41
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• Monthly Fee: $0 1st yr, $5 - $12.50 after

For context, the average annual fee among new credit card offers from all issuers is currently $22, and most credit cards do not charge monthly fees.

The Fortiva Cash Card exchange rate is Mastercard’s exchange rate on the date you make a purchase, plus any foreign transaction fees. While Mastercard exchange rates change daily, the Fortiva Cash Card foreign fee is always 3% of the transaction in U.S. dollars.

It’s best to use a credit card with no foreign transaction fee... read full answer when making purchases from international merchants. As long as you have such a card and avoid dynamic currency conversion, the exchange rates you’ll pay on international spending with a credit card will be much lower than those you’d get from converting cash with banks, credit unions, or airport currency exchange services.