Fortiva Credit Card Acceptance Code: If You Have the Code Should You Use It?



Fortiva Credit Card

  • Billed as an unsecured Mastercard targeted at people with subprime credit
  • Comes with $0 fraud liability and an EMV chip to reduce counterfeit risk
  • Apply or learn more at fortivacreditcard com

In order to apply, you must be 18 years of age or older and a legal resident of the United States.

This card is designed for consumers with a not so great credit rating who are looking to make improvements via on-time credit card payments.

If you have a stellar credit score you are on the wrong page and should check out our “best card back credit cards” write up.

If you do have a not so ideal credit score please read on.

Fortiva Card Highlights and Lowlights

  • Reports to all three major bureaus
  • Your credit score will be available in your online account 60 days after your account is opened
  • No security deposit required
  • Annual fee? You bet ya… $49 to $175 for the first year, then $0 to $49 every year thereafter
  • No sign-up bonus – No rewards program
  • $25 one-time program fee when you open an account
  • $60 to $159 annual maintenance fee after the first year (billed at $5.00 to $12.50 per month)

As you can see the Fortiva credit card is loaded with fees.

Fortiva Credit Card Reviews

On top of the lackluster reviews, there are literally dozens of “do not recommend” comments across the web. Here are a few examples:

Do not accept this card. They never reported to the credit bureaus and therefore I had to close my acct. High APR and fees are ridiculous. Totally regret accepting this card. They never send notifications of purchases or payments as statet on their website. Customer service is the worst, they are nasty and dont care about the customer. I asked to speak to a manager and was told I would get a call but never did. BEWARE!!

“This card is essentially a payday loan made of plastic. Please get a secured card if you can’t get prime yet. No rewards for those high fees.” – Blackswizz750

Fortiva Card Servicing Customer Service

  • Address: Fortiva P.O. Box 105555 Atlanta, GA 30348-5555
  • Phone: 1-800-245-7741

Fortiva Credit Card Login Issues?: Any technical issues that arise when attempting to access a Fortiva credit card account online can be directed to toll-free 1-800-245-7741.

Fortiva Credit Card Final Verdict

Based on online reviews and research we have decided not to recommend the Fortiva credit card.

The fees associated with the Fortiva card are just too much and too many.

There are much better options out there for consumers looking to rebuild their credit score via on-time credit card payments. Best Credit Cards for Bad Credit?

  • OlloCard: A great pick for the consumer who is in the final rounds of rebuilding their credit rating
  • BlazeCC or The Blaze MasterCard is one credit card designed for subprime consumers

Fortiva Credit Card Application URL

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Elizabeth Weintraub
Elizabeth Weintraub is a former writer for The Balance. She has an extensive background in real estate spanning more than 40 years, including experience in related industries such as title and escrow. Weintruab began in the real estate business in 1974 as a title searcher at First American Title in Boulder, Colorado. After moving to Newport Beach, California, she became an escrow officer in 1976 and advanced to certified status as designated by the California Escrow Association.Likes: SEO, snowboarding, high limit poker, traveling, stock market - Dislikes: Cold weather after new years, boring careers, traffic