First Latitude Platinum Mastercard Review

First Latitude Platinum Mastercard is a secured credit card credit card issued by Synovus Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300. If you're wondering whether First Latitude Platinum Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.

Pros & Cons of First Latitude Platinum Mastercard

The Good

The Bad

No annual fee. Considers applicants with fair or poor credit. First Latitude Platinum Mastercard reports to multiple credit bureaus. 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.

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. 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

Is there a First Latitude Platinum Mastercard cash back or rewards program?

No, First Latitude Platinum Mastercard does not offer a rewards program.

First Latitude Platinum Mastercard Rewards

Rewards rate (all purchases)	N/A
Max rewards rate	N/A
Annual rewards limit	N/A
Signup Bonus ($)	N/A

What are the relevant APRs for First Latitude Platinum Mastercard?

It also has a variable cash advance APR starting at 26.74% .

First Latitude Platinum Mastercard Balance Transfers

Description
Balance Transfer APR	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

First Latitude Platinum Mastercard Rates & Terms

Description
Balance Computation	Daily Balance
Purchase APR	N/A
Credit Limit	N/A
Penalty APR	N/A
Cash Advance APR	Starting at 26.74%
Security Deposit	N/A
Introductory Rate	N/A
Intro APR period (months)	N/A

What are the First Latitude Platinum Mastercard fees?

The following fees apply to First Latitude Platinum Mastercard:

First Latitude Platinum Mastercard Fees

Fees	Amount
Annual Fee	$0
Returned Payment Fee	up to $28
Late Payment Fee	up to $39

Does First Latitude Platinum Mastercard report your account activity to credit bureaus?

First Latitude Platinum 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 Platinum Mastercard

• Visit the First Latitude Platinum 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.