The Fortiva Credit Card is a credit card designed for consumers with bad credit who are looking to repair their past credit issues. There are a number of credit card offers on the market for individuals with bad credit but this review focuses on the Fortiva Mastercard.
There are some good points about Fortiva and some bad points so you will want to weigh the odds before you make a decision to apply online at
Advantages of the Fortiva Credit Card
Most people with bad credit understand how hard it is to get accepted for a good credit card. They get denied a lot which also causes their credit score to decrease because of the hard inquiries. With the Fortiva Card the difficult application process is no longer an obstacle.
Fortiva accepts low credit scores and doesn’t require you to put down a security deposit. It’s an easy process that only takes a few minutes to apply and get approved.
Another advantage of applying for this card is your monthly payments are reported to the credit bureaus. This is the whole purpose of using the card is to show you’re responsible with using credit so your credit score will increase.
Disadvantages of the Fortiva Mastercard
Considering the card is easy to get accepted there are some drawbacks as well that you should be aware of. The first drawback is there are high fees associated with this card. Here is a breakdown of those fees:
The card has an annual fee and depending on your credit score your fee could be between $49 and $175 for the first year then each year afterwards up to $49.
There is also an annual maintenance fee after the first year which is between $60 to $159. This fee is billed monthly between $5 and $12.50 per month which may seem small but it adds up over a year.
There is a one-time $25 fee to open an account. When you consider all of these fees you can see why many consumers will look elsewhere for a credit card.