Last Updated: 03/06/2026
First Latitude Elite Secured Mastercard®
Claimed
in Credit Cards from Synovus Bank
Last Updated: 03/06/2026
SuperMoney User Recommendation Score -36
Mostly not recommended11 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
19.24%(Verified 03/06/2026)
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Balance Transfer APR (Variable APR)
19.24%(Verified 03/06/2026)
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Credit Score Range
300 - 640
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Annual Fee
$29
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Number of Reviews
First Latitude Elite Secured Mastercard® Review
This is a secured credit cashback credit card issued by Synovus Bank. If you're wondering whether First Latitude Elite 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^^
- Invest Your Refund in Your Future — Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 19.24%
- 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 Elite Secured Mastercard®
| The Good | The Bad |
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First Latitude Elite Secured Mastercard® FAQ
Does First Latitude Elite Secured Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | Up to 10 % cash back (N/A) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Select Merchants | Up to 10 % cash back (Up To 10% Cash Back on Purchases + 1% on Payments^^) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Latitude Elite Secured Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Latitude Elite Secured Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the relevant APRs for First Latitude Elite 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 lower than average regular APRs.First Latitude Elite Secured Mastercard® has a variable purchase APR of 19.24%. The card has a variable balance transfer APR of 19.24% . It also has a variable cash advance APR of 28.49% .
Does First Latitude Elite Secured Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does First Latitude Elite 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 Elite Secured Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $29 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $29.
Does First Latitude Elite Secured Mastercard® have a foreign transaction fee?
First Latitude Elite 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 Elite Secured Mastercard®?
The customer service number for First Latitude Elite Secured Mastercard® is (888) 796-6887.
What is the support contact email for First Latitude Elite Secured Mastercard®?
The support contact email for First Latitude Elite Secured Mastercard® is info@firstlatitude.com.
What is the login page for First Latitude Elite Secured Mastercard®?
You can access the login page of First Latitude Elite Secured Mastercard® here.
How do people rate the customer service and user experience of First Latitude Elite Secured Mastercard®?
Overall, First Latitude Elite Secured Mastercard® is mostly not recommended based on community reviews that rate customer service and user experience.
Does First Latitude Elite Secured Mastercard® report your account activity to credit bureaus?
Yes, First Latitude Elite 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 Elite 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 Elite Secured Mastercard®
- Visit the website of First Latitude Elite 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 Elite Secured Mastercard® Disclosure: See https://apply.firstlatitude.com/docs/latitude/latitude_important_disclosures.pdf for more 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 Elite Secured Mastercard®'s published terms & conditions
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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.
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