This offer is not available in New York and Wisconsin. See offers for your state

Card
Network

Mastercard®
Bank

Synovus Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Unsecured
Credit
Recommended

See website for Details*

This offer is not available in New York and Wisconsin. See offers for your state

Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

This offer is not available in New York and Wisconsin. See offers for your state

MAIN CARD FEATURE

Build up your credit history with a card that reports to all three major credit bureaus every month.

CARD DETAILS

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC
+ Pros
  • Reports to all three major credit bureaus.
  • A full-feature MasterCard® Credit Card.
  • Good for people with less than perfect credit.
- Cons
  • Checking account required.

PURCHASES

Intro
APR

N/A
Ongoing
APR

35.99%
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*
Minimum Interest
Charge

See website for Details*

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

See website for Details*
Balance Transfer
Fee

See website for Details*
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

35.99%
Cash Advance
Fee

Either $10, or 3% of the amount of the Cash Advance, whichever is greater.
Penalty
APR

See website for Details*
Minimum Grace
Period

See website for Details*

GENERAL FEES

Application Processing
Fee

See website for Details*
Annual
Fee

$75.00 for first year. After that, $48.00 annually.
Foreign Transaction
Fee

See website for Details*
Late Payment
Fee

$40
Card Overall Rating
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