Rebuilding credit requires consistent, positive payment reporting across major credit agencies. The Fortiva® Cash Back Rewards Mastercard reports your monthly payment history to major credit bureaus, helping turn everyday card management into measurable score progress.

Additionally, cardholders receive free access to their TransUnion VantageScore 4.0 via their online account dashboard starting 60 days post-opening.

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

Optimizing Score Growth

Use the educational TransUnion VantageScore dashboard to monitor your trajectory. Keeping your balance low relative to your credit limit and ensuring on-time execution every month prevents negative marks and accelerates your overall credit repair timeline.

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