Most credit cards designed for consumers rebuilding fair credit offer zero rewards. The Fortiva® Cash Back Rewards Mastercard stands out by paying 3% cash back on eligible gas, grocery purchases, and utility bill payments, alongside 1% on all other qualifying transactions.

Routing routine household bills and fill-ups through the card helps offset its structural maintenance 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

Targeting High-Return Categories

To maximize your return, charge recurring utility payments, supermarket runs, and fuel purchases directly to the card. Note that rewards post once transactions clear, and all accumulated cash back automatically pays out as an annual statement credit during your account anniversary month, provided your account remains in good standing.

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