How can I freeze my Fortiva Cash Card? This question is about the Fortiva® Mastercard® Credit Card

How can I freeze my Fortiva Cash Card?

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This question is about the Fortiva® Mastercard® Credit Card

Chip Lupo, Credit Card Writer

@CLoop • 04/20/22 This answer was first published on 04/20/22. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You cannot freeze your Fortiva Cash Card. If your Fortiva Cash Card is lost or stolen, you’ll need to call The Bank of Missouri credit card customer service at 1 (877) 785-7908 as soon as possible, so they can cancel the card and send you a new one.

That said, it’s important to remember that you won’t be held responsible for unauthorized purchases, thanks to a $0 fraud liability guarantee.

Answer Question

Does the Fortiva Cash Card report to credit bureaus?

Yes, the Fortiva Cash Card reports to the credit bureaus every month, within days after the cardholder’s billing period closes. Fortiva reports the card’s credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.

Once the Fortiva Cash Card reports your account information to a credit bureau, it may take a few days from when the bureau receives the info before the updates appear on your credit report. Keep in mind that new Fortiva Cash Card users may not see any credit account info on their credit report for one or two billing periods after being approved for an account.… read full answer

To see what information Fortiva is reporting to the credit bureaus on your Fortiva Cash Card account and when it’s being reported, sign up for a WalletHub account for daily updates on both your credit report and your credit score.

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How much is the Fortiva Cash Card annual fee?

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.

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What is the Fortiva Cash Card exchange rate?

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.

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