Fortiva credit cards have been in the market and have caused a stir for the policies it has introduced. It is operated by the Bank of Missouri and is an unsecured card.

The users of the Fortivacard have mixed reviews. Some consider it to be charging way more than its offering. But it surely has helped people to get a hand on a credit card with no deposit which does help a lot of customers.

Fortiva Credit card

Not everyone has the best credit card history or you can say a consistent credit history. Fortiva credit card allows people who want to benefit themselves from having a credit card but do not come up to the expectation of different banks.

Fortiva is an unsecured credit card where you need no card deposits and no minimum credit card score to own a credit card. 

While this card does come with its pros and cons one thing goes without saying that it can help you make a good credit history that can help to open more credit card options you can choose from. Fortiva Credit Card Review

Benefits of Having a Fortiva Credit card

Fortiva credit card comes with the benefits that makes it worthy to be considered. Here are a few of the benefits you can enjoy from having a Fortiva card

Security Deposits

If you are searching and learning about credit cards, it must have come to your attention that all credit card companies require security deposits. Fortiva Credit Card Review

Now it may seem fair, but let’s face it sometimes the deposit can a be handsome amount of money which some people are either not willing to pay or just do not afford to do. Henceforth, Fortiva credit cards attract its customers.

Viewing Credit Card Score

Fortiva allows you to monitor your credit score yourself. Why is that beneficial? Let’s go down that road.

You can check your credit score whether it’s good or bad. You can be aware if you are improving or not and if so you will be aware of that and are capable of taking measures to redeem the situation which is one big advantage. 

Improve Credit Score

No judgment here. It does happen here and quite often that one does not have a good credit history. Usually what banks do is that they see your previous history whether you have made the payments on time and consistency and if not, it can be a major setback for you.

Now, you might think what to do in these situations. Fortiva credit cards allow you to improve your credit score. It sends your record to credible credit bureaus. So, if you keep your payments, you will be back on your feet in no time.

Drawbacks

It all seems to be too good to be true. Everything comes with its cons and one needs to know about that.

Credit card fees

Even though Fortiva doesn’t ask for any deposits, still it puts a lot of fees that you have to pay to keep availing the facility.

Annual fees: you are bound to pay an annual fee that may vary from anywhere in between $50-150$.

Additional user fee: if you add another user to use your credit card that will cost about $25 per user.

Penalty fees: if you fail to pay at the given time, you will have to pay penalty fees. 

Reward Programs

After paying different fees, it is expected that the users can enjoy reward programs such as cash back or miles on things they purchase.

You will be disappointed to know that you do not get any extra perks when it comes to Fortiva credit cards. 

How to Apply?

After you have done enough research if you are convinced that you want to have a Fortiva credit card, here is how you do it.

Visit the website Fill out the form and make sure to fill out the right information.  When your card is ready, customer service will update you about the status.

Final Verdict

There are two ways to get a credit card. Secure cards take security deposits and longer to get unsecured cards are easier to get hands-on.

Fortiva credit card is powered by Missouri bank. You can use it to get a start on a good credit score while enjoying the perk of having a credit card. But in the longer run, it’s better to consider other options if you want to have that full credit card experience.

Do I need to pay deposit money?

Unlike other credit cards, it doesn’t require any deposits.

What credit bureaus work with Fortiva?

It works with to Equifax, Experian, and TransUnion.

When can I check my credit score?

You can check after 60 days of opening account.