Does Fortiva Have Pre-Approval?

Yes, Fortiva does provide pre-approval options for some of their credit cards. You can visit their online pre-approval page to check your chances of approval before submitting a full application.

Existing Fortiva customers might also receive pre-approved offers from time to time through email or when they access their card’s online account. Additionally, Fortiva may send targeted pre-approved offers for specific credit cards via postal mail.

Keep in mind that while pre-approval suggests a high probability of being approved, it doesn’t guarantee final approval. Always read the terms and conditions carefully before applying for any credit card.

Does Fortiva Have Pre-Approval?

What is Pre-approval?

Pre-approval is a process where a financial institution assesses a potential customer’s creditworthiness before they officially apply for a credit product.

This evaluation is based on a soft credit inquiry, which does not impact the individual’s credit score. Pre-approval gives customers an idea of their likelihood of being approved for a specific credit product, like a credit card or loan, without the need for a formal application.

How Does Fortiva’s Pre-Approval Process Work?

To check for Fortiva pre-approval online, follow these steps:

  • Visit the Fortiva website and click “See if You Qualify.”
  • Log in to your Fortiva account.
  • Enter your personal and financial information, such as your name, address, income, date of birth, Social Security number, residential details, and employment information.
  • Click “See Offer” to view any pre-approved offers.

If you have pre-approved offers, you can apply for the card of your choice directly from the pre-approval site by clicking the button next to the desired card. This will direct you to the card’s application page.

To take advantage of a pre-approved offer you received in the mail, use the invitation code included in the letter to visit the website listed. Once there, enter the code to alert Fortiva that you are pre-approved.

Why is Pre-Approval Important?

Pre-approval offers several benefits for customers:

  • Saves time: By knowing their chances of approval beforehand, customers can avoid applying for credit products they are unlikely to qualify for, saving them time and effort.
  • Minimizes credit score impact: Since pre-approval is based on a soft inquiry, it does not affect the individual’s credit score. Applying for multiple credit products can result in hard inquiries, which may lower the credit score temporarily.
  • Increases confidence: Pre-approval helps customers feel more confident about their chances of being approved for a credit product, making the application process less stressful.

Advantages of Fortiva’s Pre-Approval

Fortiva’s pre-approval process offers several advantages:

  • No impact on credit score: The pre-approval process uses a soft inquiry, ensuring that your credit score remains unaffected.
  • Streamlined application process: By providing pre-approval, Fortiva allows customers to apply with confidence, knowing their chances of approval are high.
  • Targeted offers: Fortiva’s pre-approved offers are tailored to individual customers, making it more likely that they will qualify for the credit products being offered.

Potential Drawbacks of Fortiva’s Pre-Approval Process

While Fortiva’s pre-approval process offers several benefits, there are some potential drawbacks to consider:

  • Not guaranteed approval: Pre-approval does not guarantee that a customer will be approved for a credit product. It merely indicates a high likelihood of approval.
  • Hard inquiry upon application: If you decide to apply for a Fortiva credit card, the company will conduct a hard inquiry, which may temporarily lower your credit score.


Fortiva does offer pre-approval for some of its credit cards, providing customers with a convenient way to gauge their likelihood of approval before applying.

This process saves time, minimizes the impact on credit scores, and increases confidence in the application process.

It is important to keep in mind that being pre-approved does not automatically mean you will get approved, and when you do apply for credit, it will generate a hard inquiry on your credit report.

Dhiraj Jha is a personal finance and credit card expert dedicated to providing valuable insights and advice on budgeting, saving, investing, and debt management.

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