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Tag: Fortiva Mastercard
Fortiva Mastercard
Fortiva Mastercard: A Comprehensive Guide
The Fortiva Mastercard, issued by Fortiva Financial, is an intriguing option for those seeking a credit card that balances access to credit with a straightforward rewards program. This detailed description will cover all aspects of the Fortiva Mastercard, including fees, rewards, and unique features, making it easier for you to determine if it meets your financial needs.
Card Type
The Fortiva Mastercard is classified as a cashback card, focusing primarily on providing straightforward rewards in the form of cashback on eligible purchases. This makes it an excellent choice for consumers who prefer simplicity over complex points systems.
Annual Fee
This credit card charges an annual fee of $0, which is a significant advantage over many competitor cards that impose annual fees. This feature makes the Fortiva Mastercard accessible to a larger audience, especially those who may be hesitant to commit to annual charges.
Rewards Program
The Fortiva Mastercard offers a competitive rewards program that allows cardholders to earn cashback on their everyday purchases. Users can earn up to 1% cashback on every purchase, straightforwardly redeemable as a statement credit. This simplicity is an appealing factor for new cardholders looking for a no-fuss rewards structure.
Sign-Up Bonus
welcome bonus by spending a minimum amount within the first three months of account opening. This bonus can provide an additional boost to your cashback earnings, adding value to your initial spending commitments. APR (Annual Percentage Rate)
The regular APR for the Fortiva Mastercard is competitive, typically around 24.99%, with a potential introductory offer of 0% APR for the first 15 months on purchases. This can be beneficial for borrowers who might need flexibility in paying off larger purchases over time.
Foreign Transaction Fees
One notable advantage of the Fortiva Mastercard is that it does not impose foreign transaction fees. This feature makes it a great option for travelers who frequently make purchases abroad or online from international vendors.
Balance Transfer Options
The Fortiva Mastercard provides an alluring balance transfer option with a promotional 0% APR for the first 15 billing cycles on balance transfers made in the first 60 days. However, be mindful of any associated fees, as balance transfers may be subject to a 3% fee of the transferred amount.
Additional Fees
Card Benefits and Perks
The Fortiva Mastercard stands out with various benefits such as access to exclusive offers, promotional financing options, and 24/7 customer service support. While it may lack premium travel perks, it offers adequate benefits for everyday consumers seeking reliable credit options.
Customer Protections and Insurance
This card includes critical customer protections, such as zero fraud liability, ensuring that users are not held responsible for unauthorized charges. Additionally, it offers purchase protection and extended warranty features, which can be invaluable for safeguarding your purchases.
Eligibility and Credit Score Requirements
To qualify for the Fortiva Mastercard, applicants typically need a credit score in the fair to good range, generally between 580 and 740. The card aims to be accessible to consumers who may have had difficulty obtaining credit with other providers.
Introductory Offers
The introductory offer includes a 0% APR for the first 15 months on new purchases, a feature that can be immensely helpful for managing larger expenses during the introductory period.
Special Features or Unique Selling Points
One of the Fortiva Mastercards unique features is its no annual fee structure combined with its cashback rewards. This combination is particularly appealing for consumers who may not want a complicated points-based system or high fees, allowing them to maximize their savings.
How to Apply
Interested applicants can apply for the Fortiva Mastercard easily online by visiting the ‘>apply here and discover if the Fortiva Mastercard fits your financial needs.
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