How to Prequalify for the Fortiva® Mastercard Without Hurting Your Credit Score

For individuals rebuilding their credit or starting fresh, the process of applying for a credit card can be stressful—especially when every hard inquiry can shave points off an already fragile credit score. That’s where the Fortiva® Mastercard stands out with its soft pull prequalification process, allowing potential applicants to check their eligibility without negatively impacting their credit.

✅ What Is Credit Card Prequalification?

Credit card prequalification is a risk-free way to determine if you’re likely to be approved before completing a full application. The Fortiva® Mastercard offers a prequalification option that uses a soft credit inquiry, which won’t appear on your credit report or lower your credit score.

This makes it an ideal first step for people who:

• Have less-than-perfect credit
• Are new to credit and want to test eligibility
• Want to avoid unnecessary hard inquiries

💳 How to Check If You Prequalify for Fortiva®

The prequalification process is straightforward and fully online:

1. Visit the official Fortiva website: https://apply.myfortiva.com
2. Enter your name, address, date of birth, and last four digits of your SSN
3. Provide your estimated income
4. Submit the form to receive an instant response

Once prequalified, you’ll be presented with a potential offer that includes your credit limit (up to $1,000), rates, and rewards structure. Accepting the offer will trigger a hard inquiry, but only after you decide to move forward.

Want to understand the full benefits of the Fortiva® Mastercard? Read the in-depth review of Fortiva for bad and fair credit users →

📌 Does Prequalification Guarantee Approval?

Not quite. While prequalification increases your approval odds, final approval depends on additional verification steps. Fortiva may review:

• Your income or ability to repay
• Bank account verification
• Any recent changes to your credit profile

Still, the process gives you clarity before taking the plunge—especially valuable if you’ve faced previous denials.

🎯 Why It Matters for Credit Rebuilders

A soft pull lets you explore your options without adding pressure to your credit file. This is especially beneficial for:

• Those recovering from a bankruptcy or missed payments
• Anyone looking to rebuild their score without secured card limitations
• Consumers seeking an unsecured credit card with actual rewards

Curious how Fortiva stacks up against secured cards? Explore why Fortiva’s unsecured structure may be a better fit →

💡 Next: Explore the Benefits and Rewards

Once you’ve prequalified, it’s important to understand what the card offers. From up to 3% cash back to zero fraud liability, the Fortiva® Mastercard is designed for everyday use—even with imperfect credit.

→ Take a closer look at the Fortiva cash back rewards program →

→ Review: Is the Fortiva Mastercard worth it for your credit journey? →