Most rewards credit cards focus on travel or luxury purchases—great for some, but not realistic for everyone. The Fortiva® Mastercard takes a different approach by rewarding users for the things they already spend money on every week: groceries, gas, and utility bills.
For cardholders with fair or rebuilding credit, this card creates a practical way to turn everyday expenses into cash back.
🛒 Everyday Categories That Actually Matter
With the Fortiva® Mastercard, rewards are focused where people spend the most:
🥫 Grocery Stores – 3% Cash Back
From meal planning to weekly runs at the supermarket, every qualifying grocery purchase earns a 3% return. Fortiva includes most major grocery chains in its eligible category.
⛽ Gas Stations – 3% Cash Back
With fluctuating fuel prices, gas purchases can eat into monthly budgets. Fortiva helps offset this by offering 3% back at the pump.
💡 Utility Payments – 3% Cash Back
Few credit cards reward bill payments—but Fortiva does. Use it to pay your:
- Electric bill
- Water service
- Trash/recycling
- Internet or cable
These payments count toward Fortiva’s high-earning tier.
Want to see a full breakdown of Fortiva’s reward structure? Check out the complete Fortiva cash back rewards guide →
💰 Strategy: Maximize Your Return With Everyday Spending
If you want to make the most of this card:
- Use Fortiva exclusively for your groceries, gas, and utilities
- Avoid using it for purchases where other cards might offer higher cash back
- Pay off your balance in full each month to avoid interest that offsets the rewards
Over time, these small spending habits can result in consistent monthly savings—without changing your routine.
✅ Why This Works for Budget-Conscious Users
Fortiva isn’t trying to sell luxury—it’s built for people who need real tools to manage their money. When used wisely, this card can:
- Improve credit scores through on-time payments
- Offer ongoing rewards for essential spending
- Give cardholders control without requiring a deposit
Don’t have the card yet? Start by prequalifying with no impact to your credit score →
🔁 How Fortiva Rewards Compare to Other Cards
| Feature | Fortiva® Mastercard | Typical Secured Card |
|---|---|---|
| Cash Back on Gas & Groceries | ✅ 3% | ❌ None |
| Rewards on Utility Bills | ✅ Yes | ❌ No |
| Unsecured (No Deposit) | ✅ Yes | ❌ No |
| Credit-Building Reports | ✅ All 3 bureaus | ✅ All 3 bureaus |
Wondering how Fortiva compares overall? Read the full Fortiva® Mastercard review to learn more →
📌 Final Thought: Don’t Waste Daily Spending
Most credit-building cards only offer a line of credit—Fortiva offers actual value back. If you’re buying groceries, pumping gas, and paying monthly bills anyway, putting those charges on your Fortiva card lets you turn routine expenses into reward opportunities.
→ Learn why Fortiva’s unsecured structure matters for credit rebuilders →
→ See if you prequalify—without impacting your credit score →
Opinions expressed here are the author's alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
Compare the top Excellent Credit Card Offers - CreditSoup Balance Transfer Cards