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First Latitude MasterCard® Secured Credit Card Claimed Visit Site

First Latitude MasterCard® Secured Credit Card

Claimed
SuperMoney Net Recommendation Score +17  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating Mostly recommended
Purchase APR  (Variable APR) 23.74%
(Verified 02/23/2023)
Balance Transfer APR  (Variable APR) N/A
(Verified 02/23/2023)
Credit Score Range 500 - 750
Annual Fee $25 - $35
Number of Reviews 6

First Latitude MasterCard® Secured Credit Card Review

This is a secured credit card cashback card issued by Synovus Bank. If you're wondering whether First Latitude MasterCard® Secured Credit Card is the right card for you, read on.

Key Takeaways

  • High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.74%
  • 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 have relatively good approval odds.

Pros & Cons of First Latitude MasterCard® Secured Credit Card

The Good The Bad
  • Helpful for building or improving credit. Reports to all three major credit bureaus.
  • No credit history or minimum credit score is required for approval.
  • Considers applicants with fair credit.
  • First Latitude MasterCard® Secured Credit Card 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.
  • Charges an annual fee of up to $35.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not include many credit card benefits.

First Latitude MasterCard® Secured Credit Card FAQ

Does First Latitude MasterCard® Secured Credit Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

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

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

First Latitude MasterCard® Secured Credit Card has a variable purchase APR of 23.74%. It also has a variable cash advance APR of 28.74% .

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

No, it does not come with an intro APR offer for balance transfers.

Does First Latitude MasterCard® Secured Credit Card 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 MasterCard® Secured Credit Card?

The following fees apply:

First Latitude MasterCard® Secured Credit Card Fees
Fees Amount
Annual Fee Starting at $25 up to $35
Foreign Transaction Fee 3%
Returned Payment Fee up to $29
Late Payment Fee up to $40

Does First Latitude MasterCard® Secured Credit Card have a foreign transaction fee?

First Latitude 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 foreign transaction fees.

What is the customer service phone number for First Latitude MasterCard® Secured Credit Card?

The First Latitude MasterCard® Secured Credit Card customer service number is (888) 796-6887.

What is the support contact email for First Latitude MasterCard® Secured Credit Card?

The support contact email for First Latitude MasterCard® Secured Credit Card is info@synovus.com.

What is the First Latitude MasterCard® Secured Credit Card login page?

You can access the First Latitude MasterCard® Secured Credit Card login page here.

How do people rate the customer service and user experience of First Latitude MasterCard® Secured Credit Card?

Overall, First Latitude MasterCard® Secured Credit Card is mostly recommended based on community reviews that rate customer service and user experience.

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

Yes, First Latitude 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 may help improve your credit.

How to apply for First Latitude MasterCard® Secured Credit Card

  • Visit the First Latitude 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 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.

Contact

Hours of Operation

  • Sunday All Day
  • Monday All Day
  • Tuesday All Day
  • Wednesday All Day
  • Thursday All Day
  • Friday All Day
  • Saturday All Day

Other Services by Synovus Bank

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View all credit cards offered by Synovus Bank

Availability

  Available in 46 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • 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
  • Washington, DC
  • West Virginia
  • Wyoming

Feature Breakdown

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 $25 - $35
Minimum Interest Charge $1.50
No Interest Grace Period for Late Payment 25 days
Returned Payment Fee Up to $29
Late Fee Amount Up to $40
Customer Type Personal
Minimum Age 18
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 500 - 750
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Categories
  • 1% Cash Back on Every Purchase
Cash Advance APR (Variable APR) 28.74%
APR Type Variable APR
Balance Computation Daily Balance
Purchase APR (Variable APR) 23.74%
(Verified 02/23/2023)
Card Type
  • Secured
  • Cashback
  • Bad Credit
Card Network Mastercard

First Latitude MasterCard® Secured Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly recommended by SuperMoney users with a score of +17, equating to 3.3 on a 5 point rating scale.

+17

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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