Fortiva Account Center on the App Store

 

Fortiva Retail

Also in other words, if you purchase the card, and then use it during the first year, you could have to pay up to $334 in account maintenance as well as annual fees. Also, in contrast to secured cards, where you eventually receive the money you paid for security, the fees you incur for the Fortiva Fortiva credit card aren't refundable.

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For instance , the Secured Mastercard provided by Capital One has no annual cost, maintenance fees per month as well as foreign transaction fees or charges that are charged to users who have been authorized. It is possible to make a security deposit which is refundable. This could be as low as $49 (or $200 or $99) or more. You you may be eligible to get more credit once you've made your first six installments in a timely manner.

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The card isn't any rewards program: The Fortiva card isn't part of any rewards program, so you won't be able to accrue miles, points or cash back for your purchases. Though this isn't unusual for cards that cater to subprime customers but it's not ideal when you consider the price costs. If you're not a good creditor the Discover it Secured card may be an option to consider to earn rewards.You'll receive 2.2 percent cashback the first $1,000 you spend in gas stations and restaurants every quarter, along with unlimited cashback of 1% on all other purchases. Following the initial year as an account owner, Discover will match all of the money you earn, increasing your reward by a ratio of. Furthermore there are no annual fees or charges for account maintenance, and there is no user fee for authorized users.

The credit limit is not increased upon Request. For the majority of credit cards, it's feasible to ask for an increment in the credit limit you have after several months of being responsible in control of the credit limit of your card. If you pay the amount on your account in full and don't delay in making payments, you'll typically be given an increase which gives you greater spending power and improve the credit score of your credit utilization. However, Fortiva explicitly states in the agreement with cardholders it is unable to take requests to increase your credit limit. Fortiva may decide to change the credit limit - increase or decrease or remove it at any time, but customers aren't able to request an increase on their own. If you're in search of an alternative credit card that offers more flexibility, you should consider this card: the Blaze Mastercard. Similar to the Fortiva card, this one is comparable in many ways to Fortiva card, however this Blaze Mastercard is unsecured. However, it charges an annual fee however you may be eligible for an expansion the credit limits in less than six months.

This Card is Best For

Incented to establish a positive credit score

CREDIT BUILDER

The Fortiva card that is designed to be used by those with poor credit scores. If you're in that category and looking for an alternative to a credit card that does not require you to make hundreds of dollars of deposits, this could be the perfect choice for you. As opposed to secured cards Fortiva cards aren't secured. Fortiva card allows you to get an revolving line of credit without the need to make security deposits.

Standard Benefits

Fortiva credit card Fortiva credit card has many benefits that are typical for credit card holders:

Zero fraud liability

The payment history is reported to the three important credit institutions: Equifax, Experian, and TransUnion

Cardholder Experience

Fortiva credit card Fortiva credit card was issued by The Bank of Missouri. Because it's a smaller issuer, The Bank of Missouri is not considered the top provider of credit cards according to the J.D. Power Credit Card Satisfaction Study.

The card gives you the capability for access to your VantageScore 3.0 when your account has been opened for the 60 days.

If you require assistance from a customer contact 800-245-7741, or leave a message on the internet.

Security Features

The card has essential features that are standard for all credit cards, like security alerts for fraud and no insurance coverage for liability. It also comes with an EMV chip, which helps to make transactions more secure.

Fees to Watch Out For

The card has an annual fee which can vary from $175 to $175 in the initial year, and up to $49 annually after the first year, and some cards don't charge annual fee. It also has the 3.3 per cent foreign transaction charge that is not charged other cards. It's not an issue when you intend to travel outside from the U.S.

Our Verdict

If you're facing a poor financial situation and wish to get access to a non-secure credit line, it's possible to to apply for the Fortiva credit card without needing the security deposit. Because Fortiva is able to provide payment information to 3 major credit agencies The use of the credit card responsibly will help you build a great credit score, and improve the credit score of your.

However, it is subject to very high costs and does not provide a rewards program. If you're seeking an option that is less costly and aren't afraid to make an additional security deposit as well as one, then an excellent choice. Discover it Secured Card is an excellent alternative. It doesn't have annual fee, and it offers points for purchases that you make frequently. If you are able to pay on time and have a balance that is low, Discover may refund your security deposit once they begin looking over your accounts after eight months of prompt payments. Then, they will accept you for a credit card that is not secure.