Card
Network

Mastercard
Bank

Synovus Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Poor/Limited/No
Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

MAIN CARD FEATURE

No Annual Fee for first year! $29 Annual Fee starting in the second year and thereafter. Build up your credit with responsible card use.

CARD DETAILS

  • No Annual Fee for first year! $29 Annual Fee starting in the second year and thereafter. Build up your credit with responsible card use.
  • Full-Feature Platinum Mastercard Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
  • * See Card Terms.
+ Pros
  • No credit history required.
  • Build credit history.
  • Full-feature Mastercard.
- Cons
  • Not available in NY, IA, AR, or WI

PURCHASES

Intro
APR

N/A
Ongoing
APR

24.49% (V)
Penalty
APR

See terms*
Minimum Grace
Period

25 days
Minimum Interest
Charge

See terms*

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

See terms*
Balance Transfer
Fee

See terms*
Penalty
APR

See terms*
Minimum Grace
Period

See terms*

CASH ADVANCE

Intro
APR

See terms*
Ongoing
APR

24.49% (V)
Cash Advance
Fee

Either $10.00 or 3% of the amount of each Cash Advance, whichever is greater
Penalty
APR

See terms*
Minimum Grace
Period

See terms*

GENERAL FEES

Application Processing
Fee

N/A
Annual
Fee

$0 in the First Year. $29.00 in the 2nd and subsequent years
Foreign Transaction
Fee

3% of the transaction amount
Late Payment
Fee

Up to $38.00
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