First Latitude Select Mastercard® Secured Credit Card

Helps to build credit with low fees and secured, up to $2,000 credit line

Updated: Feb 19, 2024

Advertiser Disclosure

The First Latitude Platinum Mastercard Secured credit card issued by Synovus Bank, member FDIC, allows users to access a huge Mastercard network of retailers, vendors, and merchants, as well as a wide range of additional benefits that make using this card a breeze. With 3 Credit Bureaus reporting, fast online application, low requirements, and the fact that anyone can apply, this is quite an attractive secured offer that can help all those who are looking for a financial option to build, rebuild, and establish a good credit score. Cardholders that showcase a high level of financial responsibility get a chance for a credit line increase. If all these benefits are precisely what you want from a financial solution like this one, this card might be exactly what you're looking for.


See Terms


19.24% Variable



72 User Ratings

First Latitude Select Mastercard® Secured Credit Card

at First Latitude's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit Score

Bad Credit OK

Key Features

  • First Latitude is a great way to start establishing credit for people with low/no credit.¹
  • Credit line = your fully refundable deposit from $200 to $2,000
  • Receive your card more quickly with new expedited processing option
  • User-friendly Mobile App
  • Accepted throughout the U.S. and online
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score
  • *See Important Disclosures for complete offer details

Our Take

The First Latitude Secured Mastercard is one of the most popular options among those who are into secured credit cards. It’s mostly popular due to instant access, wide accessibility, and the fact that you can apply without leaving the comfort of your home. With no annual maintenance fee, 3-bureau reports, no credit checks, and easy online application, anyone can apply. The card issuer doesn’t take credit scores or employment into account. The First Latitude Secured is an excellent secured card for establishing a new credit history and building credit. Up your financial game and get ahead of your finances.

Who Is This Card for?

This card isn’t targeting any specific demographic. So, anyone can apply, really. It’s mostly geared toward those who can’t count on other similar financial options or have applied for secured/ unsecured cards but got rejected. If you’re struggling with bad credit or are looking for an effective way to establish a good credit history, the First Latitude Secured Mastercard is the solution to your problems. If you showcase financial responsibility, you increase your chances of enjoying even more benefits. The card is accepted anywhere in the world, online and otherwise.

What are First Latitude Secured Mastercard Benefits?

Aside from an exceptional level of convenience, this card offers a couple of great benefits that you can use to save money along the way.

Monthly credit reporting

The card reports to all 3 major credit bureaus (Explained), allowing the cardholder to significantly improve their credit score and history over a short period of time.

Easy to use secured card

If we add the fact that you get almost an instant answer upon submitting your application, and that you can use this card anywhere on the planet, you have yourself an easy-to-use secured card. Even though new users are required to make a security deposit, this amount is refundable in full.

Helps to build credit

The First Latitude secured card can really help improve your financial situation and re-establish your financial grounds once again.

Optional credit line increase

One of the greatest benefits of this card is the option to increase your credit line. Although it takes time, you can get approved for up to $5,000, if you express responsible financial behavior.

Anyone can get approved

Finally, the fact that anyone can apply regardless of their current financial state, credit, and credit history, is also a huge benefit. Even those who’ve been rejected for other secured and starter credit cards, get a chance to get approved.

Apply now and fund later

Those who can’t make a secured deposit payment now can choose to make it later. The application form allows this option. New users can choose to apply now and fund later, which allows them a 90-day grace period.

Are There Any Disadvantages?

Just like with any financial product, this card isn’t perfect. There are a couple of disadvantages, although none of these are that big of a deal.

High interest rates

The first disadvantage would be a high APR. Since the card doesn’t include an annual fee, that’s how the card issuer is mitigating those expenses.

Foreign transaction fee

If you’re shopping outside of your country, there are foreign transaction fees. Finally, customer service options are limited to either snail mail or contact online.

Secure deposit required

One of the disadvantages is the security deposit requirement. Many people who need to rebuild their credit aren’t in a financial position to fulfill such a requirement. While this might look like a negative thing, the issuer made a positive solution. The card allows – apply now and fund later feature.

Should You Use the First Latitude Card?

If we take all the facts, pros, cons, benefits, and disadvantages into our consideration, we can safely say that anyone who needs a way to re-establish credit and credit history should give the First Latitude Secured card a try. This is a good card for credit building, while it also allows cardholders to enjoy a high level of convenience and accessibility.

Its fees are low, and even though the card does include rather a high APR, other benefits make up for these charges. If you pay your balance in a timely manner, you get a chance to increase your credit line. While there are other similar solutions that you can use to build and rebuild your credit, this card offers low application requirements that will suit the needs of many.

Get hold of your finances, get back in control, and find your financial grounds while enjoying additional perks along the way. Choose your credit line, get a card with a range of features that you can use anywhere in the world, and online and start establishing a positive credit history. If you need a secured credit card with up to $10,000 you should consider the Sable Secured Credit Card.

RELATED: 23 Credit Score Dos and Donts

Best First Latitude Alternatives

Apply Now
Basic Information
Issuer: Synovus Bank
Network: Mastercard®
Category: Consumer (Secured)
Review: Full Card Review
Best Used For:
  • Cards for Bad Credit
  • No Credit / New to Credit
  • Building Credit
  • Damaged Credit
  • No Credit Check
Rewards: Yes
Reward Types:
  • Universal Rewards
Reward Units: Cash
Rates & Fees
Regular APR: 19.24%
Regular APR Type: Variable
Annual Fee: See Terms
Balance Transfer: No
APR on Cash Advances: 25.24%
Grace Period: 25 days
Other Fees:
  • Annual fee: $39
  • Foreign transaction fee: 3%
  • Late Payment: Up to $41
  • Returned Payment: Up to $30

First Latitude Select Mastercard® Secured Credit Card Alternatives

First Latitude Select Mastercard® Secured Credit Card

First Latitude Select Mastercard® Secured Credit Card


Annual Fee

See Terms

Regular APR


Intro APR


Rec. Credit Score

Bad Credit OK

Additional Information & Comments

NOTE: If you cannot load a secure application page - disable AdsBlocker. If the application page is loaded but is empty - disable AdsBlocker again.

*The information provided for First Latitude Select Mastercard® Secured Credit Card is believed to be accurate at the time of evaluation or recent update on February 19, 2024. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

First Latitude Select Mastercard® Secured Credit Card

Reviews - (1 User Reviews)
Share your experience and rate the First Latitude Select Mastercard® Secured Credit Card
September 5, 2020
Cedric W. (46-55) - Wants to have it
Income on Application
Credit Score
Needs Work (300-579)
Credit Limit
Filed for Bankruptcy

Future cardholder

All the features have five stars
Fees & Charges:
Features & Benefits:
Customer Support:
Application Process:
Comment (0)

First Latitude Select Mastercard® Secured Credit Card

First Latitude Select Mastercard® Secured Credit Card

Rec. Credit Score: Bad Credit OK

Save to Compare

My Saved Cards (0)

Compare Saved Cards

Market Pro Secure® has made it easy to find the best card offers for you. All you need to do is find the cards you like, click "Save Card", and compare side-by-side.


Advertiser Disclosure

Market Pro Secure® is an independent payment card comparison service supported by advertisers, a complete list of which can be seen in our Editorial Guidelines. Even though some of these advertisers are financial product providers and credit card issuers, our paid partnerships don't affect card ratings or the Best Card Picks on our website. We don't post any content that is provided or commissioned by any of our partners. However, our paid partnerships may affect how and where products appear on our site, including the order in which they are presented within listing categories. This order may also be affected by our website rules, as well as the likelihood of the applicant’s credit approval. We can't offer any warranty for the accuracy of the credit card information we share on our website, even though we do our best to keep the Terms and Conditions, rates, and other credit card details up-to-date. For more accurate information, click "APPLY NOW" to get transferred to the credit card issuer's official website. Market Pro Secure® doesn't include all available payment cards in the marketplace.