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  Assent Platinum Mastercard Secured Credit Card

Assent Platinum Mastercard Secured Credit Card

in Personal Credit Cards from Synovus Bank

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Assent Platinum Mastercard Secured Credit Card

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in Personal Credit Cards from Synovus Bank

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Highlights
Highlights
Purchase APR  (Variable APR) 11.99%
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 850
Annual Fee $49

Assent Platinum Mastercard Secured Credit Card Review

Assent Platinum Mastercard Secured Credit Card is a secured credit card credit card issued by Synovus Bank. If you're wondering whether Assent Platinum Mastercard Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 6 months.
  • Competitive APRs. Assent Platinum Mastercard Secured Credit Card has a variable purchase APR of 11.99%
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Assent Platinum Mastercard Secured Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases during the first 6 months.
  • Considers applicants with fair or poor credit.
  • Assent Platinum Mastercard Secured Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $49
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Assent Platinum Mastercard Secured Credit Card FAQ

Is there a Assent Platinum Mastercard Secured Credit Card cash back or rewards program?

No, Assent Platinum Mastercard Secured Credit Card does not offer a rewards program.

What are the Assent Platinum Mastercard Secured Credit Card benefits?

Assent Platinum Mastercard Secured Credit Card provides the following benefits:

  • ID Theft Protection
  • Reports to major credit bureaus

What are the relevant APRs for Assent Platinum Mastercard Secured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Assent Platinum Mastercard Secured Credit Card has lower than average purchase APRs.

Assent Platinum Mastercard Secured Credit Card has a variable purchase APR of 11.99%. It also has a variable cash advance APR of 18.99% .

Does Assent Platinum Mastercard Secured Credit Card have an introductory APR offer on balance transfers?

No, Assent Platinum Mastercard Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does Assent Platinum Mastercard Secured Credit Card have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 6 months.

Assent Platinum Mastercard Secured Credit Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) 6

What are the fees for Assent Platinum Mastercard Secured Credit Card?

The following fees apply to Assent Platinum Mastercard Secured Credit Card:

Assent Platinum Mastercard Secured Credit Card Fees
Fees Amount
Annual Fee $49
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $40

Does Assent Platinum Mastercard Secured Credit Card have a foreign transaction fee?

Assent Platinum Mastercard Secured Credit Card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.

Does Assent Platinum Mastercard Secured Credit Card report your account activity to credit bureaus?

Assent Platinum Mastercard Secured Credit Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit.

How to apply for Assent Platinum Mastercard Secured Credit Card

  • Visit the Assent Platinum Mastercard Secured Credit Card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.
  • If you're denied click here to find out why your application may have been rejected and what you can do about it.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 46 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 6 months
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 3%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $49
Minimum Interest Charge $1.50
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 18.99%
Credit Limit $200 - $2,000
Purchase APR (Variable APR) 11.99%
Card Type Secured
Card Network Mastercard

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