Credit Card Details

Get the credit limit you deserve-$700 guaranteed if approved
Apply with Confidence! There is no impact to your credit score if you're not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Don't Have Perfect Credit? No Problem!
No security deposit, just purchasing power.

Overdraft protection up to $300 with opt-in and eligible direct deposit*
No monthly fees with eligible direct deposit, otherwise $5 per month
Earn up to 7% cash back when you buy eGift Cards in the app
Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*

Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ - Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
Now offering cash back rewards on select purchases & payments!^^
Secure your credit line with your refundable security deposit - choose from $200- $2,000. With the ability to increase up to $5,000 over time!
Designed to push you forward on your credit building journey with $0 Annual Fee.¹
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
All credit types welcome to apply!
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
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.

Invest Your Refund in Your Future - Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
Choose our First Latitude Elite Card for a lower annual APR!
Apply with no impact to your credit!*
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
No minimum credit score required for approval!
Secure your credit line with a refundable security deposit - as low as $200 to get started!
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
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.