The Fortiva Mastercard is a unique credit card option designed specifically for individuals with poor credit. While many credit cards require applicants to have good or excellent credit, the Fortiva Mastercard aims to help those with lower credit scores rebuild their financial history. This card can be a valuable tool for those who want to get back on track and improve their creditworthiness.

Typical Credit Score Range for Fortiva Mastercard
The Fortiva Mastercard is an unsecured credit card meant for people with bad credit. There’s no strict minimum credit score requirement, and no security deposit is needed to open the account. That makes it more accessible than most unsecured cards.
That said, most applicants fall into these credit score categories:
- 300–579 (Very Poor Credit): Approval is possible, but expect higher fees and interest rates.
- 580–669 (Fair Credit): You may receive slightly better terms than those with very poor credit.
Because this card targets subprime borrowers, it’s often available even if your credit score is below 600. However, other parts of your credit profile—like your payment history, income, and debt load—will also influence approval.
Why the Fortiva Mastercard Might Be a Fit
Here’s why the Fortiva Mastercard appeals to people rebuilding their credit:
No Security Deposit Required
Unlike secured cards, Fortiva doesn’t require upfront cash to open an account. That’s helpful if you don’t have spare funds for a deposit.
Reports to All Three Major Credit Bureaus
Your account activity is reported to Equifax, Experian, and TransUnion. This means every on-time payment can help build a stronger credit history.
Potential for Higher Limits Over Time
Initial credit limits tend to be modest, but Fortiva may increase your limit if you manage the account responsibly.
Earn Cash Back Rewards
You can earn cash back on eligible purchases—a rare perk for unsecured cards aimed at people with bad credit.
How to Boost Your Approval Odds
Even though the Fortiva Mastercard has lenient credit requirements, taking these steps before applying can help you qualify—and possibly unlock better terms.
1. Check Your Credit Score and Reports
Use a free service to monitor your credit score. Look over your credit reports from all three major credit bureaus to catch errors or outdated items.
2. Address Any Negative Marks
If your credit report includes late payments or collections, try to resolve them before applying. You might be able to negotiate with creditors or work with a credit repair company for support.
3. Keep Your Balances Low
Your credit utilization ratio—how much you owe compared to your credit limits—matters. Try to use less than 30% of your available credit, and pay your balances in full when possible.
4. Stick to a Budget
A realistic budget can help you avoid overspending and make room for on-time payments, which is key for both approval and long-term credit improvement.
5. Make On-Time Payments
Payment history is the biggest factor in your credit score. Set up auto-pay or calendar reminders so you never miss a due date.
Consider Credit Repair Support
Need help cleaning up your credit before applying? Credit Saint is a reputable credit repair company that helps clients challenge inaccurate or outdated items on their credit reports.
They’ve helped people address everything from collections and charge-offs to bankruptcies and repossessions. They even offer a 90-day money-back guarantee, so there’s no risk in exploring your options.
If you want expert help improving your credit profile, visit their website to learn more.
Bottom Line
The Fortiva Mastercard doesn’t require a specific credit score, which makes it a rare option for people with bad credit. But improving your financial profile before applying can increase your odds of approval and reduce the long-term costs of the card.
With smart money habits, consistent payments, and the right tools in place, you can build a stronger credit history and open the door to better financial opportunities down the line.