Fortiva Credit Card Reviews

1,026 Reviews

Ad Disclosure

A Fortiva credit card is an unsecured credit card for people with bad credit that is issued in partnership with The Bank of Missouri. The current offer, the Fortiva® Mastercard® Credit Card, does not require a security deposit and offers good rewards but has fees that make it expensive to own. If you have questions about an existing credit card account with Fortiva (a WalletHub partner), the Fortiva credit card customer service number is 800-245-7741. If you’re interested in applying for a card, you can learn more below.

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Fortiva® Cash Back Rewards Mastercard

3.44 out of 5 rating406 Reviews

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3.44 out of 5 rating406 Reviews

2.2WalletHub Rating

WalletHub Rating

2.2

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Rebuild Damaged Credit by Paying in Full Each Month." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

1.7

User Reviews

3.4

Market Comparison

2.1

fees: 1.5

rewards: 5.0

cost: 1.2

Other Features: 4.7

One-Time Fees$0

Regular APR36% Fixed

One-Time Fees

Regular APR

36% Fixed

annual fee

$85-$175 1st yr, $49 after

monthly fee

$0 1st yr, $15 after

rewards rate

1 - 3% Cash Back

minimum credit

Bad

WalletHub's Take: The Fortiva® Cash Back Rewards Mastercard is a pricey credit card for people with bad credit that’s not likely to be worth the cost despite offering good rewards. Fortiva’s cash back credit card gives cardholders 3% cash back on eligible gas, groceries and utilities, as well as 1% cash back on all other eligible purchases. It also offers an unsecured credit line of up to $1,000, with no security deposit needed. However, the Fortiva Cash Back Reward Card’s benefits come at a steep cost.

Pros

High rewards rate
Bonus rewards categories
Qualify with bad credit
Does not require security deposit

Cons

High membership fees
High regular APR
Foreign fee

Rewards Details

Earn Cash Back Rewards* - 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
*See Program Terms for important information about the cash back rewards program.

Additional Info

Use Anywhere Mastercard is Accepted
No Security Deposit
$0 fraud liability**
Free access to your Credit Score†
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Pros, Cons, & Details

Compare

Fortiva Credit Card Reviews

2.9

What's Your Rating?

stephanie kovack
November 9, 2025 • @cheaterneverwin6713

Verified Customer

I love this card. You can do just about anything with this card. From cash back to increases on your limit up to cash advances. I love it - the best card I've ever gotten, ever.

Product: Fortiva Credit Cards

Comment

Tim Pearl-Brown
November 7, 2025 • @Willettwednes

I have two cards with Fortiva, and they have been wonderful, until yesterday when one of the cards was frozen for unusual activity. Okay, I give up. I called their service desk and asked what the activity was. Their reply was, 'We mailed you a letter which you should receive in 14 days to explain the problem. Call us back then.'

This smells like fraud, and after reading the other comments, they are trapping us to lower our credit. Then, I'm sure, we will be offered a service at a high rate to correct the problem they created. Pay your balance off and cancel these cards.

Product: Fortiva Credit Cards

Comment

Vicki Springer
September 26, 2025 • @vickis_40

Verified Customer

They have been awesome to work with on anything I have needed! The people I have visited with are very friendly. My only complaint is that I have a hard time understanding them sometimes.

Product: Fortiva Credit Cards

Comment

Tammy
September 21, 2025 • @tah_rn

My card expired July 2024. I paid it off 1 month later. No contact until July 2025. Am being charged for card I did not renew plus late fees. I thought I had been hacked. Have reported to BBB.

Product: Fortiva Credit Cards

Comment

dienkimbcc
September 10, 2025 • @dienkimbcc

STAY AWAY FROM Fortiva.

A 0-star rating is my actual opinion.

I received a notice stating that they WILL charge me an annual fee. I called a week later to cancel my credit card with them. A month later, I received a statement stating that I have an annual fee balance that I have to pay. I sent a check 10 days before the due date. However, they sent me another bill saying that I have to pay another late fee for that annual fee on an account that no longer exists.

I called, and they agreed to remove the late fee in 2 days. They acted like they were doing me a favor by wasting my time.

The problem is that this late fee inquiry may negatively affect my credit score.

This company tried to exploit people.

Does anybody know where to report this incident?

Product: Fortiva Credit Cards

Comment

peter pierce
August 29, 2025 • @peterpierce0531

Verified Customer

The worst card I have seen... lots of fees and they actually charge you for a credit line increase regardless of your on-time credit payments. I accidentally accepted their increase and then I noticed it cost me $50. When I called them to tell them I did not want the increase, they didn’t speak enough English to fully understand, so they decreased my limit. I will be canceling two cards with this company very soon. I can’t afford to do business with them, especially with the ridiculous monthly fees on top of yearly fees.

Product: Fortiva Credit Cards

Comment

cw ww
August 15, 2025 • @bluedaisy1985

We were in the market for a new living room set. Went shopping and the salesman talked us into the more expensive option. Didn’t have that much $$ on hand so we financed a portion of it with them…and they use fortiva. We didn’t choose them, it was the only option… I want to make that clear. They gave us 12 months zero interest. On the first bill there was a $78 annual card fee…we don’t have a card and never received one and literally only had the account for two weeks and they already tacked on $80 in fees because also get this in order to receive my bill in the mail every month I also get charged a $2 statement fee. So here’s the part that really ***** me off, they also charge 36% interest on that hahaha so it’s an additional $2.06 every single month getting added to my balance and for what?? So I get the freaking bill?!! In order to make a payment you MUST create an online account, (or mail it in) no making a payment in the actual store where we made the purchase. Ok you think no big deal right…WRONG!! They make it as hard and confusing as possible to get the account set up. I’m a modern woman under 40 and skilled with computers but this was ***** me the **** off!!!! I promise you half of the people I know wouldn’t have been able to get it set up! ALSO if you make your payment after 5 pm eastern standard time on the date it’s due it’s considered late…in what world?!?! Thank god I noticed this when I made my very first payment and made a note of it, but again most people wouldn’t notice and may have gotten a late fee and interest for that. I can pay any of my other bills as long as the payment is made before midnight and it’s not late. It’s so dumb and feels so unfair like these guys are pirates and they are literally getting away with it. Historically speaking the mob didn’t even take 36% interest!! Class action lawsuit anyone? Let’s get some of our fees back!!! Beware, beware, beware

.

Product: Fortiva Credit Cards

Comment

crystalilene73
August 6, 2025 • @crystalilene73

Verified Customer

I received my card in May, paid the minimum due for May and June, but did not make the July payment on time. With all the fees they added, my card went over the credit limit. I received a notification from TransUnion that my account had been closed. I called Customer Service and was told that because I went over my credit limit and missed the July payment, the account has been closed. Sadly, I charged $36.95, $40.00, and $60 in May; in June, I charged $268.48 and $10.25 and in July. The total for goods charged in three months was $355.68. My total due is $635.68; the total fees and interest were $280. According to customer service, the fees will continue, even with the account being closed, if I don't make the minimum payments. I would never recommend this company to anyone.

Product: Fortiva Credit Cards

Comment

Kathy Method
August 6, 2025 • @klmethod

This company is a scam. I paid off my balance in February, and in August, they charged me an annual maintenance fee of $79.00! For what? I told them to close it, but they gave me such a hard time. It's almost impossible to find on the website where to close your account. I thought once you paid off a balance, that should close the account, or at the very least, stop any charges. I had to threaten legal action before they would close it.

Product: Fortiva Credit Cards

Comment

Nicholas P
August 6, 2025 • @npyshos01

Verified Customer

0 Stars. Horrible company, hard to work with. They have an incorrect SSN on file for me and keep closing, opening, and closing my account. A party they work with - Vivint - has filed callback requests on my behalf, and no one has contacted me in multiple weeks. They have multiple lawsuits, specifically one closed in my state in which they, and their affiliates, are not allowed to work or collect in my state (Maryland) due to fraudulent and illegal practices. They are destroying my credit score due to multiple reopenings and closings of my account, which WalletHub has also flagged.

Product: Fortiva Credit Cards

Comment

Review Fortiva Credit Card Reviews

Fortiva Credit Cards FAQ

Get answers to your questions about Fortiva Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

Is the Fortiva Cash Card a Visa or Mastercard?

Chip Lupo, Credit Card Writer

The Fortiva Credit Card is a Mastercard, not a Visa. You can use your Fortiva Credit Card at nearly 11 million merchants that accept Mastercard nationwide, and you can use it abroad in more than 200 countries and territories.

There are a few differences between Visa and Mastercard credit cards, such as the network-level benefits they offer, but those differences are relatively small. The two card networks have a lot in common, including extensive worldwide acceptance. As a result, it's more worthwhile to compare individual credit card offers than to focus on getting a card from a particular network.

Upvotes

How can I log in to my Fortiva account online?

Chip Lupo, Credit Card Writer

To log in to your Fortiva credit card account, go to the login page on the Fortiva website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign In” to access your online account. If you don't already have an account, you will need to start by clicking “Create Account” in order to set up a username and password.

How to Log in to a Fortiva Credit Card Account

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Upvotes

How do I apply for Fortiva Credit Card?

Sarah Bilkins, WalletHub Credit Card Analyst

You cannot apply for the Fortiva Credit Card right now, because applications for the card are no longer open at this point in time. The Fortiva Credit Card has been unavailable to new applicants. However, there are other cards available from Fortiva that you can apply for online and in person.

Similar Cards to the Fortiva Credit Card You Can Apply For

For more options, you can check out some of...

Upvotes

How can I pay my Fortiva Credit Card?

Theo frank, WalletHub Credit Card Analyst

You can pay your Fortiva Credit Card either online or through the card's mobile app. Alternatively, you can also submit a payment over the phone at (800) 245-7741 or via mail. It is worth noting that Fortiva Credit Card cardholders can set up automatic payments, too.

Ways to Pay Your Fortiva Credit Card:

Online: Log in to your online account and click on the payment button from the main menu.
Through the mobile app: Download the app for iOS or...

Upvotes

Who accepts Fortiva Retail Credit Cards?

Chip Lupo, Credit Card Writer

Fortiva Retail Credit Cards are accepted by retailers such as Sealy, Stearns & Foster, and Tempur-Pedic. Each of these store credit cards, which are designed for consumers who may not qualify for traditional credit cards, can only be used at the affiliated retailer's locations. Fortiva Retail Credit has partnerships with retailers in a wide range of categories, such as furniture, bedding, and electronics.

What You Should Know About Fortiva Retail Credit Cards

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* The information about the following cards has been independently collected by WalletHub: Fortiva Credit Card and Chase Freedom Rise®.