Using the Fortiva® Mastercard to Pay for Groceries, Gas, and Utilities—And Earn Rewards

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

FeatureFortiva® MastercardTypical 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.

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