Apply for Fortiva Credit Card with our Detailed Guide

The Fortiva® credit card is issued by The Bank of Missouri. It’s a credit card that is designed for people with imperfect credit. This can give you the opportunity to build or rebuild your credit. The fees and APR are high, though, and you can only apply for a card if you’ve received an invitation in the mail.

How to Apply for Fortiva Credit Card Online

You can apply for Fortiva credit card online. Getting started is simple.

  1. First, visit their website at
  2. Click on “Respond to a Mail Offer” near the top center of the page.
  3. Enter the acceptance code in the provided space. You can find your code near the bottom of your mail offer.
  4. Click “Submit Code” and follow the prompts to finish your Fortiva credit card application.

You will need to confirm your personal information. You will also need to provide your annual income.

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Fortiva® Credit Card Customer Service

If you have any questions about your Fortiva® credit card account, you can reach their customer service representatives at 1-800-245-77-45. You can also write them at:
P.O. Box 105555
Atlanta, GA, 30348-5555.

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Fortiva® Credit Card FAQs

What is the APR for a Fortiva® credit card?
The APR for a Fortiva® credit card is variable. Fortiva promises the APR will not exceed 36 percent.

Can I add an authorized user?
You can add an authorized user, but there is a fee for doing so.

Is there an annual fee?
There is an annual fee that is based on your credit limit. The annual fee ranges from $49 to $175 per year.

Are there any other fees?
There is a monthly maintenance fee of $5 to $12.50 per month. There is also a program fee when you open a Fortiva credit card.

Is there a late fee?
The late fee is up to $40.

Are there any rewards with a Fortiva credit card?
The Fortiva® card doesn’t offer a rewards program to every applicant. Some applicants may qualify for a rewards card, though. They also periodically offer special promotions for their cardholders.

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Fortiva® Credit Card Reviews

Fortiva® credit card holders are pleased with the high credit lines offered. Some applicants have received credit lines of up to $2,000. These users have been approved even with fair or poor credit score. Many Fortiva customers have complaints about the customer service, though. They say the wait times are long and that the representatives are rude.

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User Rating: 4.33 (12 votes)
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5 years ago

I tring to apply for this card, however its not giving the option. is this card applying status only by invite only..

4 years ago

How.can I get offer for credit card
1 year ago
Reply to  Gary

Please follow this link to learn more about Fortiva Credit Card: Also you can contact customer care.

3 years ago

I like fortiva I have a card with 22.9% APR and $29 annual fee with $5 monthly maintenance fee compare to other cards and $2500 credit line was a good deal for me and helped me get over the hump

Mr. Clayton
Mr. Clayton
4 years ago

They say I was pre approved I did everything over phone an they say it’s gonna take 2 weeks for them to let me know if I’m excepted or not something just doesn’t feel right about this card at all.

Mr. Clayton
Mr. Clayton
4 years ago

I just was denied that’s why they said take two weeks I just got email

Enn From
Enn From
3 years ago

I have the fortiva card.I was instantly approved with 500.00 limit about 3 or 4 months after being approved for a credit one càrd.

Shawn Fisher
3 years ago

I have not heard from them in over 2 weeks. It’s a scsm

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