LIVE
30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·30Y FIXED6.85%↑ 0.02·15Y FIXED6.12%↓ 0.01·REFI 30Y6.78%↑ 0.01·HELOC9.20%0.00·JUMBO 30Y7.05%↑ 0.03·HYSA TOP4.85%↓ 0.05·12M CD5.10%0.00·24M CD4.85%↓ 0.02·5Y CD4.40%↑ 0.01·MMA TOP4.65%0.00·AUTO 60M NEW7.10%↓ 0.02·AUTO 60M USED8.45%↑ 0.04·PERSONAL EXC.8.20%0.00·10Y TREASURY4.32%↑ 0.01·
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Credit card review

Fortiva Credit Card Review

FortivaMastercardSecured

Fortiva Credit Card earned 2.0 / 5 in our 2026 review. The Fortiva Credit Card earns no rewards with a $175 annual fee. Here is the full Fintiex review for 2026.

By the Fintiex Card Desk · Updated 2026-08-04
Fortiva
Fortiva Credit Card
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TL;DR
Annual fee
$175
Signup bonus
None
Top reward rate
No rewards
Intro APR
None
Issuer
Fortiva
Network
Mastercard
Min credit score
300
Fintiex rating
2.0 / 5
Pros
  • +Unsecured card with no security deposit required
  • +Prequalification uses a soft pull that does not affect your score
  • +Reports to all three major credit bureaus (Equifax, Experian, TransUnion)
  • +Free VantageScore credit score access through the account portal
  • +The separate Fortiva Cash Back Rewards version earns 3% on gas, groceries, and utilities and 1% elsewhere, if that is the offer you receive
Cons
  • -Annual fee is $49 to $175 the first year, then $0 to $49 plus a $5 to $12.50 monthly fee starting in year two (up to about $199 per year), as of mid-2026; Fortiva assigns terms per applicant, so read your exact offer
  • -Fee math: a $175 first-year fee on a $350 starting limit consumes 50% of your available credit before your first purchase
  • -Purchase APR of 29.99% or 36% depending on the offer, among the highest available
  • -The standard card earns no rewards at all
  • -Serviced by Atlanticus for The Bank of Missouri, a program with a long record of fee and servicing complaints
  • -A Capital One Platinum Secured needs as little as a $49 refundable deposit and charges $0 a year forever; over three years that is $0 versus up to roughly $573 in Fortiva fees
  • -Verdict: skip the standard Fortiva card; if you somehow receive the rare low-fee Cash Back offer it becomes tolerable, but a secured card or Mission Lane is the better move for almost everyone

Rewards detail

The Fortiva Credit Card is built for credit building, not rewards. There is no cash back or points program attached to spending. The value here is in reporting positive payment history to all three credit bureaus while you rebuild your score.

Rates and fees

Annual fee
$175
Purchase APR
29.99% to 36%
Variable, based on prime rate and creditworthiness
Intro APR
Not offered
Balance transfer APR
29.99% to 36%
Cash advance APR
36%
Balance transfer fee
None
Foreign transaction fee
3%
Who it's for

The Fortiva Credit Card is built for people who want a secured card. Most approvals land at FICO 300 and above, but issuers prefer scores near 550. If your credit profile is below the minimum, look at one of the secured or student picks on our hub before applying to avoid an unnecessary hard inquiry.

Not sure this is the right fit? See our best secured cards roundup.

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Frequently asked questions

Does the Fortiva Credit Card have a foreign transaction fee?
Yes. The Fortiva Credit Card charges a 3% foreign transaction fee on purchases made outside the United States. If you travel internationally often, pair this card with a no-foreign-fee travel card.
What credit score do I need for the Fortiva Credit Card?
Approvals typically start around a FICO score of 300, but Fortiva prefers 550 and above. Income, debt-to-income ratio, and existing relationships with the issuer also factor in.
Does the Fortiva Credit Card have a welcome offer?
No. The Fortiva Credit Card does not run a traditional signup bonus right now. The ongoing rewards rate is the main reason to apply, not a one-time promotion.
Does the Fortiva Credit Card have a 0% intro APR offer?
No. The Fortiva Credit Card does not currently offer a 0% intro APR period. The standard variable purchase APR is 29.99% to 36%. If you need a 0% intro card for a big purchase or balance transfer, check our 0% APR picks instead.
How much is the annual fee on the Fortiva Credit Card?
$175 per year. To break even you need to earn enough rewards and credits to cover that fee. We walk through the math in the rewards detail section above.
Is the Fortiva Credit Card worth it?
Fintiex rates the Fortiva Credit Card 2.0 out of 5 for 2026. It is best for secured. Compare against our top picks in each category before you apply to make sure it matches your spending pattern.

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