Last Updated: 02/27/2026
First Latitude Assent Secured Mastercard®
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in Credit Cards from Synovus Bank
Last Updated: 02/27/2026
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Highlights
Purchase APR (Variable APR)
27.49%(Verified 02/27/2026)
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Balance Transfer APR (Variable APR)
N/A(Verified 02/27/2026)
Credit Score Range
300 - 550
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Annual Fee
$0
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First Latitude Assent Secured Mastercard® Review
This is a secured credit rewards card issued by Synovus Bank. If you're wondering whether First Latitude Assent Secured Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. Up To 10% Cash Back on Purchases + 1% on Payments^^
- Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time.
- Earn up to 10% Cash Back Rewards on Purchases + 1% on Payments^^
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 27.49%
- No annual fee. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases , but you don't have to pay an annual fee for the privilege.
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of First Latitude Assent Secured Mastercard®
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First Latitude Assent Secured Mastercard® FAQ
Does First Latitude Assent Secured Mastercard® have a cash back or rewards program?
First Latitude Assent Secured Mastercard® is a rewards card.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back (Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Select Merchants | Up to 10 % cash back (Up To 10% Cash Back on Purchases + 1% on Payments^^) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Latitude Assent Secured Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Latitude Assent Secured Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Latitude Assent Secured Mastercard® benefits?
First Latitude Assent Secured Mastercard® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Latitude Assent Secured Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.First Latitude Assent Secured Mastercard® has a variable purchase APR of 27.49%. First Latitude Assent Secured Mastercard® does not offer balance transfers. It also has a variable cash advance APR of 27.49% .
Does First Latitude Assent Secured Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. First Latitude Assent Secured Mastercard® does not offer balance transfers.Does First Latitude Assent Secured Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Latitude Assent Secured Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.
Does First Latitude Assent Secured Mastercard® have a foreign transaction fee?
First Latitude Assent Secured Mastercard® charges a foreign transaction fee of up to 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 foreign transaction fees.What is the customer service phone number for First Latitude Assent Secured Mastercard®?
The customer service number for First Latitude Assent Secured Mastercard® is (888) 796-6887.
What is the support contact email for First Latitude Assent Secured Mastercard®?
The support contact email for First Latitude Assent Secured Mastercard® is info@firstlatitude.com.
What is the login page for First Latitude Assent Secured Mastercard®?
You can access the login page of First Latitude Assent Secured Mastercard® here.
How do people rate the customer service and user experience of First Latitude Assent Secured Mastercard®?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does First Latitude Assent Secured Mastercard® report your account activity to credit bureaus?
Yes, First Latitude Assent Secured Mastercard® reports to the following credit bureaus:
- 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 may help build your credit.
Does Synovus Bank perform a hard credit pull?
Yes, First Latitude Assent Secured Mastercard® performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for First Latitude Assent Secured Mastercard®
- Visit the website of First Latitude Assent Secured Mastercard®.
- 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
First Latitude Assent Secured Mastercard® Disclosure: *See Important Disclosures (below) for complete offer details. ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
View First Latitude Assent Secured Mastercard®'s published terms & conditions
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