Issued by The Bank of Missouri, the Fortiva® Cash Back Rewards Mastercard offers a unique combination of unsecured credit building and category rewards for individuals with fair credit profiles. Unlike standard subprime cards that offer no perks, Fortiva rewards everyday spending by providing 3% cash back on eligible gas, groceries, and utility bill payments, plus 1% on all other purchases, with no security deposit required.

Reviewing how the reward redemption structure, annual maintenance fees, and soft-pull prequalification process work helps you maximize utility while managing costs.

Issuer: The Bank of Missouri • Network: MastercardSynced Daily Data Verified: Aug 14, 2026
Fortiva® Cash Back Rewards Mastercard
  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Use Anywhere Mastercard is Accepted
  • No Security Deposit
  • $0 fraud liability**
  • Free access to your Credit Score†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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Purchase APR Rate: 36% Fixed - Annual Fee: $85-$175 first year, $229 thereafter - Credit Needed: Fair - Credit Line: Up to $1,000 credit limit subject to credit approval - Foreign Transaction Fee: 3% of each transaction amount in U.S. dollars

Explore Fortiva® Mastercard Resources & Spokes

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