American Bank of Missouri
Fortiva Credit Card
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Card review
Fortiva Credit Card
American Bank of Missouri
Last updated September 21, 2026· Rates, fees, and credits from WalletFlo's OneCard catalog (refreshed hourly). Verify current terms on the issuer site.
Annual fee
$175
Welcome bonus
See issuer
Est. net value
$237/yr
Credit score
Varies
Top earn rate
3x gas
Overview
How this card fits in your wallet — fees, value, and who it's built for.
The Fortiva Credit Card from American Bank of Missouri carries a $175 annual fee. On WalletFlo's typical spend profile, the OneCard engine estimates $411.60 in rewards plus $0.00 in credits and perks — $236.60 net per year before welcome bonuses.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
| Category | Rate |
|---|---|
| GasGas | 3× |
| GroceriesGroceries | 3× |
| Everything elseUtilities | 3× |
| Everything elseAll Purchases | 1× |
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
- Annual fee
- −$175
- Stated credits
- +$0
- Perks (est.)
- +$0
- Net after credits & perks
- -$175
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
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Reward Calculator
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Side by Side Compare
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Is the Annual Fee Worth it?
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Points & Miles → $ Converter
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Awards vs Cash Calculator
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Reward calculator
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Frequently asked questions
- What credit score do I need?
- Issuers generally look for good-to-excellent credit; exact thresholds vary.
- Is the annual fee worth it?
- See the annual fee analysis above, or open the full calculator to model credits and perks against $175 per year.