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First Latitude Secured Card MasterCard®

in Personal Credit Cards from Synovus Bank

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First Latitude Secured Card MasterCard®

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in Personal Credit Cards from Synovus Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 750
Annual Fee $0
Purchase APR  (Variable APR) 25.99%

First Latitude Secured Card MasterCard® Review

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

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 25.99%
  • No annual fee. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 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. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • No annual fee.
  • Helpful for building or improving credit. Reports to all three major credit bureaus.
  • No credit history or minimum credit score is required for approval.
  • No annual fee.
  • Considers applicants with fair or poor credit.
  • First Latitude Secured Card MasterCard® reports to multiple credit bureaus.
  • You need a minimum security deposit of $200.
  • The initial credit limit will be equal to the amount deposited as security into the account. This amount cannot exceed $2000.
  • The maximum credit limit that can be obtained over time is $5000.
  • High interest rate
  • Higher than average purchase APRs.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card rewards.

Is there a First Latitude Secured Card MasterCard® cash back or rewards program?

No, First Latitude Secured Card MasterCard® does not offer a rewards program.

What are the relevant APRs for First Latitude Secured Card MasterCard®?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Latitude Secured Card MasterCard® has higher than average purchase APRs.

First Latitude Secured Card MasterCard® has a variable purchase APR of 25.99%. It also has a variable cash advance APR starting at 26.74% .

Does First Latitude Secured Card MasterCard® have an introductory APR offer on balance transfers??

No, First Latitude Secured Card MasterCard® does not come with an introductory APR offer for balance transfers.

Does First Latitude Secured Card MasterCard® have an introductory APR offer on new purchases??

First Latitude Secured Card MasterCard® does not offer an introductory rate on new purchases.

What are the First Latitude Secured Card MasterCard® fees?

The following fees apply to First Latitude Secured Card MasterCard®:

First Latitude Secured Card MasterCard® Fees
Fees Amount
Annual Fee up to $0
Returned Payment Fee up to $28
Late Payment Fee up to $39

Does First Latitude Secured Card MasterCard® report your account activity to credit bureaus?

First Latitude Secured Card MasterCard® 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 score.

How to apply for First Latitude Secured Card MasterCard®

  • Visit the First Latitude Secured Card MasterCard® 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...

Availability

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

No Annual Fee  
Annual Fee $0
No Interest Grace Period for Late Payment 25 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 3%
Minimum Cash Advance Fee ($) Starting at $10
Minimum Interest Charge $1.50
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Tax Returns
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 750
Card Type
  • Bad Credit
  • Secured
Card Network Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation Daily Balance
Purchase APR (Variable APR) 25.99%

First Latitude Secured Card MasterCard® Community Reviews

 

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