While the Fortiva® Cash Back Rewards Mastercard eliminates the need for an upfront cash security deposit, it assesses substantial annual maintenance costs. The first-year annual fee ranges between $85 and $175, jumping to **$229 in subsequent years**, alongside a fixed purchase APR of **36%**.

Weighing these expenses against your credit recovery goals ensures you avoid unexpected balance strains.

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

Strategies to Minimize Interest and Fee Burdens

Because interest accrues immediately at 36% on carried balances, treating the card strictly as a transacting tool—and paying your statement balance off in full every month—is essential. Factoring the annual fee into your long-term budget helps determine when it is appropriate to transition to prime unsecured credit lines.

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