
The Fortiva Mastercard Credit Card is an unsecured credit option created for people who want a second chance at building or rebuilding their credit. Unlike secured cards, it does not require a deposit, giving you access to credit without tying up your money. It provides the opportunity to earn rewards while working toward a stronger credit profile, making it an appealing choice for many households.
With up to 3% cash back on select everyday purchases, fraud protection, and access to free credit monitoring, the Fortiva Mastercard offers a blend of value and financial security. Backed by Mastercard’s worldwide acceptance, this card can help you make purchases with confidence while reporting your activity to all three major credit bureaus.
Benefits of the Fortiva Mastercard Credit Card
No Security Deposit Required
Because the card is unsecured, you can start using it right away without needing to provide a cash deposit, unlike many credit-building cards that lock away your money as collateral.
Prequalification Without Credit Score Impact
You can check if you qualify without worrying about lowering your credit score. The soft inquiry prequalification ensures peace of mind before completing your application.
Up to 3% Cash Back on Select Purchases
The card rewards everyday spending, giving you up to 3% cash back on eligible gas, groceries, and utility payments — categories where most people spend consistently.
1% Cash Back on Other Transactions
Even purchases outside of the top categories earn you rewards, with 1% back on all other eligible spending. This ensures you’re always earning value on your card usage.
Free VantageScore Credit Monitoring
Stay informed with free access to your VantageScore 3.0 from Equifax, helping you track progress as you improve your credit health.
Fraud Protection With Zero Liability
The Fortiva Mastercard provides Zero Fraud Liability, ensuring you are not held responsible for unauthorized transactions, giving you confidence in your daily use.
Real-Time Transaction Alerts
Get notifications for card activity, helping you monitor purchases and detect any unusual transactions quickly.
Wide Mastercard Acceptance
The card can be used anywhere Mastercard is accepted — in the U.S. and abroad — offering flexibility and convenience for both local purchases and travel.
Credit Limits Tailored to You
Depending on eligibility, you may receive an initial limit ranging from $350 up to $2,500, offering flexibility based on your financial profile.
Credit Reporting to All Major Bureaus
The Fortiva Mastercard reports to Experian, Equifax, and TransUnion, ensuring your on-time payments and responsible usage are recorded to help strengthen your credit history.
Mobile App and Online Access
Manage your account with ease using the Fortiva mobile app or online portal, making it simple to track balances, make payments, and stay on top of your finances.
Who Can Apply?
Applicants for the Fortiva Mastercard Credit Card must generally:
- Be at least 18 years old (or 19 in some states).
- Have a valid Social Security Number (SSN).
- Provide a valid U.S. mailing address.
- Meet income and eligibility requirements set by Fortiva.
- Pass identity verification during application.
How to Apply

- Visit the official Fortiva Mastercard website.
- Click “Prequalify Now” to begin.
- Provide your personal details, including name, SSN, and address.
- Review your prequalification results without affecting your score.
- Complete the full application if eligible.
- Accept the cardholder terms and disclosures.
- Receive and activate your card upon approval.
Frequently Asked Questions (FAQs)
Does the Fortiva Mastercard require a deposit?
No, it is an unsecured card that does not require a deposit.
Will checking prequalification hurt my credit score?
No, the prequalification process only uses a soft inquiry, so your score is unaffected.
What rewards can I earn?
You can earn up to 3% cash back on gas, groceries, and utility purchases, and 1% back on other eligible purchases.
What is the typical credit limit?
Credit limits typically range from $350 to $2,500 depending on your eligibility.
Does Fortiva report to credit bureaus?
Yes, it reports to all three major credit bureaus, helping you build or rebuild credit.
Are there fees with this card?
Yes, depending on your offer, fees may apply, which is common for cards in this category.
What protections are included?
The card includes Zero Fraud Liability and real-time transaction alerts for enhanced security.
Where can I use the Fortiva Mastercard?
You can use it anywhere Mastercard is accepted, both in the U.S. and internationally.
Can I manage my account online?
Yes, through the Fortiva mobile app or website, you can monitor transactions and make payments.
Who is this card best for?
It is ideal for those with poor or limited credit history who want to build credit while earning rewards.