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The First Latitude MasterCard® Secured Credit Card

The First Latitude MasterCard® Secured Credit Card
Our Take:

We like that this card is a less costly option for people with bad credit. With no annual fee and only a reasonable deposit required, most people can afford to get their credit back on track. Skip to our full review

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  • Highlights
    • No Annual Fee! Build up your credit with responsible card use.
    • Full-Feature Platinum Mastercard® Secured Credit Card
    • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
    • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
    • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
    • 24/7 Online Access to Your Account
    • Nationwide Program though not yet available in NY, IA, AR, or WI
    • * See Card Terms.
  • Regular APR
    26.49%
  • Credit level
    Bad and No Credit
  • SecuredSecured
  • Building CreditBuilding Credit
  • Bad CreditBad Credit
Fees
  • Annual Fee
    No Annual Fee
The First Latitude MasterCard® Secured Credit Card Review

If you have "Poor" credit, you know the struggle is real when it comes to finding a credit card. So many of the options just don’t seem that good. The best thing you can hope for is a low-fee, full-featured card that allows you to build credit, either with or without a deposit. It’s with a deposit that you can use the First Latitude Platinum Mastercard Secured credit card to get that credit score up!

First and foremost, to raise your credit score you want to follow these steps:

  • Get a credit card in your name, or one where you are an authorized user.
  • Spend only as much as you can afford to pay off each month.
  • Pay your bill, in full, by the payment due date and never carry a balance.

If you’re ready to take these steps seriously, you could be ready for the benefits of card ownerhip with First Latitude Platinum.

If approved, you’ll benefit from monthly reporting to all three credit bureaus. This is a big draw for this card, geared at people who want to systematically raise their score with the bureaus, little by little. Your credit line will also be secured by your deposit, so there won’t be any questions as to how much your credit limit will be. You will have access to your account online 24/7, and your new Mastercard will be widely accepted.

With First Latitude, people can gain access to much needed credit. This is a useful card to have if you have below average credit and aren’t likely to get approved for a card with more benefits. For those in the middle credit range, it may be worth looking into other cards with a wider range of benefits that meet your needs.

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Editorial Note:

This content is not provided by Synovus. Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Synovus.