My Fortiva Credit Card Login, Payment, Apply [2022 Review]

MyFortiva credit card complete review is available in this article. How to log in and pay the card bill? How to apply for a new Fortiva card? What are the major benefits and facilities provided to customers and what are the drawbacks of this credit card?

What is Fortiva Credit Card?

Fortiva is a financial technology firm that provides different financial products such as credit cards, retail credit, and personal loans to its customers. Fortiva is not a bank and all of its financial products are provided by The Bank of Missouri through a partnership.

Fortiva offers an unsecured Credit Card that is specially made for those customers who want to build their credit score. This credit card uses the Mastercard network and is accepted everywhere Mastercard is accepted.


  • A low credit score requirements
  • $0 fraud liability protection by Mastercard for all customers
  • VantageScore 3.0 free credit score is available for all customers by Equifax which is updated every month.
  • Automatic increase in the credit line.
  • A card lock facility is also available
  • Customers are eligible to get 3% reward points on eligible gas, grocery, and utility purchases/payments.
  • 1% reward points will be applicable on all other eligible purchases,


  • The annual percentage rate is on the higher side.
  • There is a foreign transaction fee that can be avoided.

Fee and charges:

  • APR for purchases will be 29.99%.
  • The annual APR for Cash Advances will be 32.99%. The cash advance fee will be $5 or 5% of the amount of each cash advance, whichever is greater
  • APR for Balance Transfers will be 32.99%. The balance transfer fee will be 3% of the transfer amount.
  • The foreign transaction fee will be 3% of each transaction amount in U.S. dollars.
  • Late payment and returned payment penalty will be $41.
  • The one-time additional card fee will be $19.

Annual fee:

There will be different annual fees according to the available credit limit. Please check the below details.

Initial credit limitAnnual fee
$1000$175 for the first year; after that $49 annually
$700$175 for the first year; after that $49 annually
$500$99 for the first year; after that $29 annually
$400$99 for the first year; after that $29 annually
$350$85 for the first year; after that $29 annually

How to log in to the Fortiva Credit Card account?

Important requirements to log in:

There are some basic things that customers must follow in order for a successful login.

  • Please check that you are accessing the official website and the website must start with HTTPS.
  • If you don’t have your Username and Password then register first and create a unique Username and a strong Password.
  • Always use a trusted and secure device to access your account.
  • Please ensure that there is a good internet connection.
  • Always use the latest and most secure browsers that provide enhanced security services.

There are two ways all customers can log in to their Fortiva account.

  1. Through online website
  2. Through the mobile app

1-Access My Fortiva account through the online website

Please follow the below steps to access your Fortiva account online.

Step 1: Open the official website and check if there is any login form on the homepage.

Step 2: If there is a login form then enter your Username and Password and press the Sign In button to access your account.

Step 3: If the login form is not available on the homepage then navigate to Account -> My account. A login form will appear on the screen (as shown below).

my fortiva account login form

Step 4: Now you can access your account with the help of your Username and Password.

2-Access My Fortiva account through a mobile app

First, you will have to download the Fortiva mobile app on your device after that you can log in to your account through the mobile app.

How to download the Fortiva mobile app?

All customers can search the mobile app on google play or the Apple app store. Customers can also download the mobile app through the official website. Please check the below steps.

  • Open the official website on your smartphone and navigate to Product -> Credit card.
  • On the credit card page, you will find the mobile app links at the end of the page.
  • Click the app link and the app download page will appear on the screen.
  • Download the app by clicking the Install button.

Direct link to download the Fortiva mobile apps:

We are also sharing the direct links below down to download the official mobile apps.

PlatformCurrent versionDownload linkSize
Android4.15.11Click here20.00 MB
iOS4.15.11Click here58 MB

Fortiva credit card login on the mobile app:

After downloading the mobile app please check the below login steps.

  • Open the mobile app on your smartphone.
  • Once you see the login screen, enter your Username and Password and click the Sign In button to access your account.
  • After signing in, customers can implement additional security services such as fingerprint scans or facial scans to protect their Fortiva account from any unauthorized access.

Fortiva account recovery options

Account recovery service is very useful and customers can use the online facility to recover their account easily if they forgot their password or Username. There is a facility to recover the Username and Password available on the Fortiva website.

Password reset instructions:

Please check the below steps to reset the Fortiva account password if you forgot.

myfortiva password reset form
  • Visit the My Fortiva account login page
  • On the login form, click the Forgot password link to open the password reset facility.
  • Enter your Username and click the Submit button.
  • An email will be sent to the registered email ID associated with this username.
  • Customers can click the password reset link sent through the email and create a new password for their account.

Username recovery process:

Please check the below steps to recover your Fortiva Username.

myfortiva username recovery form
  • Visit the Fortiva login page.
  • On the login form, click the Forgot Username link.
  • A Username recovery form will appear on the screen (as shown above).
  • Enter your last name, and last four digits of your SSN, and select your Date of birth through the drop-down menu.
  • Click the Submit button. You will receive an email on the registered email ID including your Fortiva Username.

How to register a new Fortiva account?

If you also want to take the benefits of the exclusive services and facilities available for the registered members then please register a Fortiva account as soon as possible. Some of the important facilities are mentioned below.

  • Make online payments anytime.
  • Set up alerts and notifications and manage your alerts online.
  • Check account balance, transaction details, previous transaction history, etc.
  • Enroll in card features, automatic payment, etc.
  • Add an Authorized User.
  • Block your card if it has been stolen.

The registration process is very easy and we are sharing a step-by-step procedure below. Please have a look.

Step 1: Visit the official website and click the My Account link under the Account menu item.

Step 2: On the MyAccount login screen, click the Create Account link to open the new account enrollment form (as shown below).

my fortiva new account registration form

Step 3: In this enrollment form, you will have to enter your Last name, Social Security Number, and date of birth. Click the Submit button after entering all details.

Step 4: You will be redirected to the next steps where you can provide more details and create a new Username and Password for your account. You can use this Username and Password to access your account in the future.

Fortiva Credit Card apply online?

There is no direct online or offline option available at the moment to apply for the Fortiva credit card. A customer can apply for a new Fortiva credit card only through the two methods mentioned below.

  1. See If You Pre-Qualify – The customer can check if he/she qualifies to apply for this credit card.
  2. Respond To Mail Offer – Use this option if you receive any Mail offer.

1-See if you pre-qualify:

Please follow the below steps.

Step 1: Visit the official Fortiva website and click the See If You Pre-Qualify link in the top menu.

Step 2: On the next page, press the See If You Qualify button. You will see an online form on the next page to check if you are pre-qualified to apply.

Pre qualify check form for Fortiva card

Step 3: Please fill out this online form by entering all required information such as Personal Information, Contact Information, Residence Information, Residence Details, and Employment Information.

Step 4: Select the terms check box and click the See Offer button. You will see the available credit card offer for you after the pre-qualification check and you may proceed to Submit a complete credit card application if you want to apply.

2-Respond To Mail Offer:

Another way to apply for the Fortiva credit card is through the Mail offer you receive. Fortiva gets the data of the customers through different credit bureaus and shares the Mail invitation to those who can qualify in the eligibility criteria set by Fortiva.

If you also receive a Mail invitation then please follow the below steps.

Step 1: Visit the official Fortiva website and click the Respond To Mail Offer menu item.

Step 2: On the next page, You will see an online application form where you will have to enter the acceptance code you received in your Mail offer.

Fortiva credit card online application through acceptance code

Acceptance code is a 14-digit code written in black bold font. After entering the code, click the Submit Code button and check which credit card offer is available for you.

If you don’t receive any Mail offer then you can click the Search now link on the same page to check the available acceptance code for you.

Fortiva Credit card payment?

Online payments on the Fortiva website are fully secured through the 128-bit SSL encryption technology. There are other payment options also available. Please check the below details.

i-Online payment:

If you have registered an online account then you can use the online payment facility which is very fast and secure. Just log in to your account and visit the payment section. Customers can add a payment account such as a saving or checking account to debit the credit card payment. Customers can use the online payment facility anytime.

ii-Payment through phone:

Customers can also use the phone payment facility to quickly pay their credit card bills. Please call the customer service number and use your savings/checking account or debit card to make a payment. This service may be chargeable and you will be informed about the charges before the payment processing.

iii-Payment through Mail:

Customers can use the Mail option to pay their credit card bills. Please use this facility only if there are at least 10 days remaining to pay your card bill as it will take some time to reach the Mail to the payment department. Please send a check or money order to the below-mentioned address.

Payment Processing
P.O. Box 650721
Dallas, TX 75265-0721

Please send your payment coupon which you receive along with your statement or you can write your account number and name on your check and money order.

iv-Payment through mobile app:

The mobile app also offers a payment facility which is the most convenient way to pay your credit card bill. Just download the mobile app and visit the payment section to pay your card bill, manage your payment, enroll in an automatic payment facility, etc.

Fortiva Credit Card Customer Service

If there is an issue or inquiry then customers can use the below-mentioned contact details for help.

Phone: 800-245-7741

Customer service email address: Please write an email to [email protected]

P.O.Box 105555
Atlanta, GA 30348-5555

Send an email online:

Customers can also send an email to the Fortiva Customer Service team through their website. Please check the below process.

Step 1: Visit the official website and navigate to About Us -> Contact Us. You will find an email form (as shown below)

Fortiva customer contact form

Step 2: Enter your Name, Email address, Subject, and Message.

Step 3: Click the Send button to send this email. You will soon get a revert from a customer service representative.

Official website
Credit card page
Card activation page
Fortiva my account page
Fortiva login page
Prequalify check page
Respond to the mail offer page
Password reset page


Name of credit cardFortiva credit card
Offered by Fortiva Financial LLC
Issued byThe Bank of Missouri, St. Robert, MO
Credit score requiredLow to average
Fee and chargesAnnual Fee: $29-$49
Credit Limit: $350-$1000

Frequently asked questions

How to activate the Fortiva Credit Card?

If you recently received your new credit card then you will have to first activate it otherwise you will not be able to make any transaction. There is an online activation facility available that you can use to activate your credit card. Please follow the below steps.

Note: You must be registered on the online website. If not then please enroll in Fortiva Account Center.

i-Visit the official website and navigate to Account -> Activate through the top menu.
ii-Click the Sign In Activate button. You will be redirected to a login page.
iii-Please Login by using your account credentials and complete your card activation process.

Your card will be activated instantly and you can start making transactions.

How to view my Fortiva Cardholder agreement?

All customers can log in to their Fortiva account and view or download their cardholder agreement file. A cardholder agreement file is also available on the official website. Click the Fortiva cardholder agreement link to view or download it.

If I check my pre-qualification for the Fortiva card, will it impact my Credit Score?

Checking the Pre-qualification does not impact your credit score. It will perform a soft inquiry on your credit profile. If you submit a full application after qualifying in the pre-qualification criteria then there will be a hard inquiry and may impact your credit score.

How to log in to My Fortiva retail credit card account?

Please visit the official website and click the Login link available at the top right corner.
On the login screen, enter your Username and Password and click the Submit button to access your Fortiva retail credit account.


We have shared all important information related to the Fortiva credit card such as fees and charges, benefits, drawbacks, etc. This credit is specially designed for customers who want to build their credit score.

Although this card provides a great value to its customers in terms of better service and facilities, there are other options also available such as Avant credit card, Destiny credit card, Surge credit card, and Indigo credit card.

Avant credit card offers zero fees for international transactions but there is no reward facility. Avant and Indigo credit card also offers a $0 annual fee if the credit score is good. Please let us know your views in the comment section below.

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