- 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
3.5 / 5.0 (34 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
19.24%*
APR Type:
variable
Annual Fee:
See Terms*
Issuer:
Card Network:
Card Category:
Consumer (Secured)
Card Type:
Building Credit
Card for Bad Credit
Damaged Credit
No Credit / New to Credit
No Credit Check
Reward Card
Credit Needed:
Bad Credit OK*
Grace Period:
25 days*
Min Finance Charge:
$1.50
Min Credit Line:
$200
Max Credit Line:
$2,000
Late Payment Fee:
N/A*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
25.24%
Cash Advance Fee (%):
3.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
- Annual fee: $39
- Foreign transaction fee: 3%
- Late Payment: Up to $41
- Returned Payment: Up to $30

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Features

Most attractive:
- Instant decision
- 3 Major Credit Bureaus reporting
- Good card for Credit Improvement
Least attractive:
- High APR
- No intro rates
- High fees

Rewards & Benefits

Reward Type:
Universal Rewards
Reward Unit:
Cash
Rewards:
- 1% Cash Back on payments
Expiration:
None*
Yearly Limit:
None*
Other Benefits:
*See terms and Conditions
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for First Latitude Select Mastercard® Secured Credit Card is believed to be accurate at the time of evaluation (Feb 19, 2024). We strongly advise visitors to review the fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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