Build Credit With Confidence1 Your refundable security deposit becomes your credit line — from $200.
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Build Credit With Confidence1

Your refundable security deposit becomes your credit line — from $200.

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Understanding Secured Cards

What is a secured credit card?

A secured credit card can help you establish or improve your credit history. To open the account, you provide a refundable security deposit that helps determine your credit limit. Then, by using your card responsibly and making payments on time, you can build positive credit history over time.1

STEP 1

Complete Your Application

Applying is quick and easy. If you're not approved, your credit score will not be affected.

STEP 2

Fund Your Deposit

Make a refundable security deposit. From $200 helps determine your credit limit.^^

STEP 3

Spend And Earn

Use your card for groceries, subscriptions, and everyday purchases while earning up to 10% cash back at select merchants.^^

STEP 4

Build Healthy Credit Habits

Make on-time payments each month to earn 1% cash back on payments, and enroll in AutoPay for added convenience.^^

STEP 5

Build Credit¹

Responsible card use and on-time payments can help strengthen your credit history over time.¹

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Understanding Secured Cards

Still Have Questions?

Explore our complete FAQ section for account details, payments, rewards, and more.

Rewards That Work As Hard As You Do

Spend

up to 10% Cash Back at select merchants^^

Build

up to 10% Cash Back at select merchants^^

Pay

up to 10% Cash Back at select merchants^^

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.^^The 10% cash back rate is available only at a limited number of participating merchants. Responsible use and on-time payments may help strengthen your credit over time.1

We report to all three major credit bureaus.
So every on-time payment is building momentum for your credit.1
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Credit cards for real life

Discover the First Latitude cards, designed to perfectly match your lifestyle and financial needs.

First Latitude Elite Secured Mastercard

First Latitude Elite

Secured Mastercard®
Lower APR for Everyday Flexibility. A great option for cardholders focused on managing balances with a lower variable APR.
Min. deposit4
$200
Annual fee
$29/yr
APR 27.49%
See Important Disclosures
Apply Now
First Latitude Assent Secured Mastercard

First Latitude Assent

Secured Mastercard®
$0 Annual Fee. Enjoy the benefits of a secured card without paying an annual fee.
Min. deposit4
$200
Annual fee
$0/yr
APR 23.49%
See Important Disclosures
Apply Now

See Important Disclosures for additional information on rates, fees and other cost information

What Others Are Saying

“Payments are reported, my score has gone up, I use the iPhone application to check balance and make payments, super easy. I've had to call one time and got through rite away and spoke to somebody that resolved my issue within 1 minimum. I recommend!”

It's been great

Credit Karma Member

“It is a very good card to build your credit.”

Good for building credit...

Credit Karma Member

“I have had this credit card for about 6 months and it has helped my credit and I received it on time. Everything has gone great with this card.”

Love It!

Credit Karma Member

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The First Latitude Card Secured Mastercard® is issued by Pinnacle Bank, a Tennessee bank, dba Synovus Bank, Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver’s license or other identifying documents at any time.

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.

*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.

^^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 Programs Terms & Conditions for details.