Fortiva Credit Card – Apply, Activate, Login & Payment

Fortiva Credit Card is issued by the Bank of Missouri, it is an unsecured credit card, that takes less credit score and it’s a credit card that offers you freedom and flexibility. The Fortiva credit card is a Mastercard which means the card is designed to be accepted in all the places where Mastercard credit cards are accepted globally.

Fortiva Credit Card - Apply, Activate, Login & Payment

Do you have a poor credit score and want to build your credit then continue to read this article for more insight.

More About the Fortiva Credit Card

The Fortiva Credit Card is an unsecured credit card for card users with bad credit. Meaning that there is no minimum credit score and no security deposit needed to get approval for the credit card.

It has an annual fee of $49 – $175 for the first year and keeps reducing the following years. However, Fortiva Credit Card reports to the three major credit bureaus each month, the process helps card users improve their credit score if used responsibly.

Also, it allows them to finance certain emergency expenses. However, carrying a balance from month to month will be expensive, and it can destroy your card score. It is always advisable to make your Fortiva credit card bill payment each month.

How To Apply for Fortiva Credit Card Online

Applying for a Fortiva credit card requires certain criteria, the credit card application is carried out online but you must have received a mail offer code first.

You can apply for the Fortiva Credit Card online, when you receive the invitation offer, simply respond to the offer that you receive in the mail.

However, receiving a mail offer from the Fortiva unsecured Mastercard does not guarantee the card approval. You can apply for the Fortiva credit card online if you have received an offer in the mail.,

  • First, visit the Fortiva website,
  • Click on “Respond to a Mail Offer” near the top center of the page,
  • Key in the acceptance code in the space displayed.
  • You can find your code near the bottom of your mail offer. Click “Submit Code”.
  • Follow the prompts to complete your Fortiva credit card application online.

Take note that you cannot apply for a Fortiva credit card unless you have a mail offer. There are no other ways to apply online if you do not have a promo code. Applications are not accepted over the phone. But if you are sent an invitation code, then you need to at online at and apply.

How To Activate Fortiva Credit Card

When you have received your Fortiva credit Card, then, the next procedure to do is to activate the card. To get the card activated, you need to sign up online and log in to your account to activate the credit card.

When you activate your card Fortiva credit card online. You will have to create an account first.

  • To begin the activation first, get to the website at
  • Next in the Sign in section,
  • Tap on the “Create Account” link.
  • Then, on the new page, Enter your Last name.
  • Also, enter the last four digits number of your social security number.
  • Key in also your date of birth.
  • And finally, tap on the Submit button.

When you follow these guides to create an account then activate your credit card. Or contact the customer service team to get your Fortiva credit card activated. Then you can move on to sign in or login to your account.

Fortiva Credit Card Login

To log in to your account online using the steps beneath;

  • Visit the home page of the Fortiva Credit Card website at
  • Move to the right side of the web page.
  • Then, in the login section.
  • Enter your User Name.
  • And your account password.
  • Tap on the Sign In

Use these steps to Log in to your Fortiva credit card account online.

How to Recover Your Forgotten User Name and Password

In case you forget your login details, they can be recovered, using the instructions below;

  • Get to
  • On the log in section.
  • Down below the sign in button.
  • Tap on the Forgot User name and password.


  • Click on the link “forgot Password”.
  • On the new page, enter your Username.
  • Tap on Submit


  • First, tap on the forgot Username link.
  • Then on the new page, enter your last name.
  • Also, enter the last four digits of your social security number.
  • Next, your date of birth.
  • Finally, tap on the “Submit” button.

Let these steps above be your guide to recovering your password and Username of the Fortiva credit card.

When you log in to your Fortiva credit card account online, you can access your card dashboard to manage your account, make payments on purchases and pay card bills, and set auto pay for automatic bill payments. Receive alerts and statements of account and many more.

Fortiva Credit Card Payment

To make payments on your Fortiva credit card online You can use any of these three methods below from different platforms online, by phone, and by mail.


  • Online by signing in to your account.
  • Use this section to make your payment.
  • Also, the Fortiva Account Center app for iOS and Android.

Payment By Phone

By calling the customer service number on the back of your card.

By Mail

Via mail at the following address:

Payment Processing

P.O. Box 650721

Dallas, TX 75265-0721

Apart from contacting customer service, you can also manage your account, set automatic payments, and more.

Fortiva Credit Card Customer Service

Fortiva Credit Card customer service center can be accessed on the website. So, if you have any need that requires their attention visit them to get attended to via

Get Online to the official website to contact them or fill out the customer service email form at the widget About Us

Also, send your inquiries to the following address:


P.O. Box 105555

Atlanta, GA 30348-5555


Does the Pre-qualify Test Affect Your Credit Score?

Pre-qualification does not hurt your credit score. Rather if you qualify for the credit card, you earn cash-back rewards of up to 3% on eligible gas, grocery, and utility purchase and payment.

Also, you earn 1% cash back rewards on all other eligible purchases of goods and services. There are other benefits to enjoy too as a cardholder.

How do you get approved for Fortiva?

The Fortiva Credit Card is a great Credit Card if you have fair credit (or above). Their APR is quite high (above 20%). If you’re looking to apply, we recommend at least a 630-credit score. If you’re not sure what your Credit Score is, apply for a report.

What credit score is needed for Fortiva?

The Fortiva Credit Card is an unsecured credit card for people with bad credit, which means there is no minimum credit score and no security deposit needed. However, the Fortiva Card has an annual fee of $49 – $175 for the first year.

Is the Fortiva Credit Card Good?

No. The Fortiva Credit Card is not a good choice unless you have bad credit and need to borrow a small amount of money for an emergency expense. The card’s interest rate and fees are too high to make it a good option for credit-building alone.

And its lack of rewards means it’s not a good fit for people who plan to pay their bills in full every month. Most people would be better off with a $0 annual fee-secured credit card.

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