Related Topics: subprime card

Using a subprime credit card can be a strategic way to rebuild your credit. You can choose an unsecured subprime card or a secured credit card. If you use the card responsibly, you will build a positive payment history. You can regularly check your credit report to ensure your use of the subprime card is positively impacting your credit. As your credit improves, you might transition to traditional credit cards with better terms.


  • 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.

  • 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.