First Latitude MastercardFirst Latitude Elite Mastercard Secured
Issued by Synovus Bank
Reviewed by the CardCurator Editorial Team
Decision check
Is First Latitude Elite Mastercard Secured worth applying for?
you can make 1x on All Other Purchases part of your regular spending.
you will not recover the annual fee through spending, credits you will use, or the welcome bonus.
Application links open the issuer or partner application in a new tab. Confirm current terms and approval rules before submitting.
Earning Categories
Maximize Your First Latitude Points
Expert tips to get the most value from this program
Program Overview
First Latitude is best treated as a fixed-value issuer rewards program serving a more fee-sensitive or credit-rebuilding customer segment. The rewards program itself is not the main reason to hold the card; the bigger questions are access, annual fees, credit-band fit, and whether the user has a clear path to a stronger no-fee or richer-rewards card later. In Card Curator this should be approached as a transitional product ecosystem. Rewards value can be modeled conservatively, but spending strategy should remain secondary to cost control and long-term card-upgrade planning.
Compare This Card
See how the First Latitude Elite Mastercard Secured stacks up against other cards side by side — fees, bonuses, earn rates, and more.
Approval Insights
Recent community application data for this card. Issuers make the final decision, but this gives you a public read on how similar applicants have been doing lately.
How to use this
- Use the approval summary as a signal, not a guarantee.
- Combine it with issuer rules like 5/24, Amex lifetime language, and velocity limits.
- Open the full approval page to see recent datapoints, profile bands, and notes.
Most card pages stop at a generic credit-score range. CardCurator layers real community submissions on top of card detail, rewards value, and application strategy.
Frequently Asked Questions
- What is the annual fee for the First Latitude Elite Mastercard Secured?
- The First Latitude Elite Mastercard Secured has an annual fee of $29 per year.
- What is the best category to use the First Latitude Elite Mastercard Secured for?
- The First Latitude Elite Mastercard Secured earns 1x on All Other Purchases, making it the strongest earning category for this card.
- Does the First Latitude Elite Mastercard Secured charge foreign transaction fees?
- Yes, the First Latitude Elite Mastercard Secured charges a 3% foreign transaction fee on purchases made outside the United States.
- How much are First Latitude points worth?
- First Latitude points are worth approximately 1.00¢ per point on average, with premium redemptions reaching up to 1.00¢ per point. Values based on industry estimates including The Points Guy and NerdWallet.
Use a category hub if you are not ready to apply for First Latitude Elite Mastercard Secured
Stay on a goal-based path instead of reopening random tabs. Start with the most relevant category guide, or jump to the main best-cards hub if you want broader partner inventory.
Best if you are still comparing simpler everyday-rewards options.
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