Fortiva® Cash Back Rewards Credit Card: up to $1,000 and 3% cash back
An unsecured card that pays 3% cash back on gas, groceries, and utilities, with no security deposit. Independent review by instoloan.com.
See if you prequalify with a soft inquiry that does not affect your credit score. No initial deposit required.
At a glance
The Fortiva® Cash Back Rewards Credit Card is an unsecured credit card built for people with less-than-perfect credit who want to build or rebuild their history. Unlike a secured card, it does not require a refundable deposit, and if you are approved you receive a credit line up to $1,000. It is a real Mastercard, accepted everywhere Mastercard is, and it reports to all three major credit bureaus so responsible use is recognized.
Key benefits
- 3% cash back on gas, groceries, and utilities, and 1% on everything else, with no cap on what you earn.
- See if you prequalify. A soft inquiry lets you check your options without affecting your credit score, and no initial deposit is required.
- Reports to all three bureaus. Experian, Equifax, and TransUnion see your on-time payments, which can help your history.
- Real Mastercard acceptance anywhere Mastercard is welcome, in stores and online, plus standard Mastercard protections.
How it works
- See if you are eligible Start your request in a couple of minutes. You will see the offer terms before you commit to anything.
- Submit your application Applications are subject to issuer review, which may include obtaining your credit report, and approval.
- Build with on-time use If approved, use the card responsibly and pay on time. Activity reports to all three bureaus each month.
Ready to see the offer terms for your situation?
Check My EligibilityRates and fees
The Fortiva Credit Card is built for rebuilding credit, so its pricing runs higher than a prime card. The exact annual fee and terms you are offered depend on your credit profile, and this offer may be unique to the link above. Always review the full terms on the issuer's secure site before you apply.
| Annual fee | $85 to $175 first year, then $49, plus a monthly fee after year one (varies) |
| Purchase APR | Around 36% (see terms) |
| Credit limit | Up to $1,000 if approved |
| Security deposit | None (unsecured) |
| Rewards | 3% gas/groceries/utilities, 1% other |
Who it is for
A good fit if you
- Are building or rebuilding credit
- Want an unsecured card with no deposit
- Want to check eligibility without risking your score if you are not approved
- Value all-three-bureau reporting
Maybe not if you
- Can qualify for a low-fee or rewards card
- Want cash back or points
- Prefer to avoid annual fees entirely
- Will carry a balance at a high APR
Frequently asked questions
See if the Fortiva Credit Card is your fit
$1,000 credit limit · No security deposit · Reports to all 3 bureaus
Apply With ConfidenceThe Fortiva® Cash Back Rewards Credit Card is issued by The Bank of Missouri, Perryville, MO; fraud liability is subject to Mastercard rules. Applications are subject to issuer review (which may include obtaining your credit report) and approval; to be approved you must meet the issuer's requirements for creditworthiness, ability to pay, and identity verification. If you have recently applied for or already have a Fortiva Credit Card, you may not be approved. This offer may be unique and can only be guaranteed when using the link provided; other offers for this card may feature different terms and conditions. Annual fees, APRs, and credit limits vary by applicant. instoloan.com is an independent comparison service and may be compensated when you apply, which never changes your terms. This is an advertisement.