First Latitude Secured Mastercard® Review: Kickstart Your Credit Journey

Build credit with First Latitude: 1% cash back, reports to major bureaus.

First Latitude Secured Mastercard® Review: Kickstart Your Credit Journey


  • Cash Back Rewards: Earn 1% cash back on payments made to your account.
  • Credit Building: Start building credit immediately with timely payments.
  • Reporting to Major Bureaus: Reports to all three major credit bureaus, enhancing credit history.
  • Global Acceptance: Accepted wherever Mastercard® is accepted, both online and worldwide.


  • Accessible Credit: Designed for individuals with low credit scores or past credit issues.
  • Incentive for Consistency: Opportunity to apply for a second card after six months of on-time payments.
  • Secured Credit: A secure way to build credit backed by your own deposited funds.


  • Secured Nature: Requires a deposit equal to the credit limit, which might be a hurdle for some.
  • Focus on Timely Payments: Benefits primarily those who can commit to consistent, on-time payments.

Product Summary

The First Latitude Secured Mastercard® offers a practical solution for individuals looking to rebuild or establish credit. With 1% cash back on card payments and the opportunity to progress to another credit card after consistent on-time payments, it provides tangible incentives for responsible credit management. Reporting to the three major credit bureaus ensures that every timely payment contributes to building a robust credit profile. This card is particularly useful for those with past credit challenges, offering a structured path to improving financial health.

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