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Fortiva Credit Card Review 2022: Before You Qualify

If you have a credit score in the neighborhood of 600, Fortiva might be willing to give you a credit card. How does a credit limit of up to $1,000 sound? Fortiva will approve scores as low as 520 and as high as 750. Now before you qualify, below we will cover all your questions about the credit card! Have more questions? Comment down below!

Table of contents:

Is Fortiva an unsecured or secured credit card?

The Fortiva credit card is an unsecured credit card that requires no collateral. You can use it to build credit, and you won't have to worry about losing your security deposit if you can't pay the bill on time. Fortiva is a good credit card for people with bad credit. It's one of the few unsecured cards that will approve applicants with a score as low as 520, which means it's perfect for those who need to start rebuilding their credit history.

What is the Fortiva credit card annual fee?

The Fortiva card has no annual fee, however there is a one time fee of $49-175. If you are planning on keeping the card for more than a year though, this shouldn't be much of an issue.

What credit score is required for Fortiva credit card?

Fortiva has no minimum credit score to pre-qualify for the credit card, however we recommend that you have at least a score of 520+ before applying to ensure that you are approved. If your score is below this, take a look at your credit report and see what you need to improve on! You can also talk to a specialist from our team.

How long will it take for the card to get delivered after approval?

After you are approved, it can take up 7 to 10 business days to get the Fortiva Credit Card in the mail. Just be patient and know that you card is on the way :)

Is there a cash back reward?

Yes, if you’re looking for a credit card that offers cash back rewards, the Fortiva credit card is a great choice! You can earn up to 3% cash back on all purchases and no minimum spend required. Plus, there are no caps or limits on how much you can earn! If you are someone who likes to travel often, this card will be perfect because it has no foreign transaction fees.

Where does the Fortiva credit card come from?

Fortiva credit cards are unsecured, bad-credit-friendly credit cards that are issued in partnership with The Bank of Missouri.

Can I use my Fortiva card on places like Amazon?

Yes, your Fortiva credit card is a Mastercard and can be used anywhere. It's accepted virtually everywhere in the U.S.—and more than 200 countries around the world! However, you may want to reconsider using your Fortiva credit card when traveling overseas; its 3% foreign transaction fee could add up quickly.

Does Fortiva do a hard credit pull?

Yes, the Fortiva Credit Card will do a hard pull when you apply for it. While this won’t have any effect on your score in the long term (since credit scores are based on payment history, not applications), applying for new credit too frequently can make lenders nervous about giving you loans or lines of credit in future—until they see that all of your other accounts are still healthy and active.

Does Fortiva give credit increases?

Just like the Aspire credit card, Fortiva may decide to adjust your credit limit—increase, decrease, or remove it—at any time, but customers cannot request a credit limit increase.

What is Fortiva's customer service number?

You can contact customer service by calling 800-245-7741. You can also contact them by mail at Fortiva, PO BOX 105555, Atlanta, GA 30348


Overall, the Fortiva credit card is an excellent choice for people with poor credit who want to rebuild their score. Not only does it help you build or restore your credit, but it also provides reward programs and no annual fee. There really is no downside except that it takes some time to rebuild your credit from scratch. So if you are in that position and don't mind waiting a little bit for your credit score to climb, then this might be the perfect fit for you.


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