First Latitude Secured Mastercard^® Cash Back Rewards

First Progress is an Experian Partner

50%

would recommend

Recommended FICO^® Score^Θ

Poor - Good, New to Credit, Rebuilding

Annual Fee:	$0
Intro APR:	N/A*
Ongoing APR:	27.49% Variable
Ongoing Balance Transfer APR:	N/A*

Card details

Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
Make Everyday Purchases = Get Rewarded. Make Payments = Get Rewarded.^^
Designed to push you forward on your credit building journey with $0 Annual Fee.
Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.²
All credit types welcome to apply!
Apply with no impact to your credit!*
Credit reporting starts immediately when your account is opened - just pay your bill on time to continue establishing your credit.
First Latitude Mastercard^® is accepted worldwide and online!
²Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*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: images.totalcardinc.com/documents/FirstLatitude_Rewards.pdf

Pros and cons

You can get approved for this card with bad credit
Helps rebuild your credit with on-time payments

Foreign transaction fee
No pathway to an unsecured card

See all First Progress offers

First Latitude Secured Mastercard^® Cash Back Rewards reviews

Opinions are provided by Experian users that are actual credit card customers and do not reflect the views of Experian or the lender.

How to find the best credit card for you

Sign up or sign in to see your personalized credit card offers. Experian matches you with offers from our trusted partners, based on your credit profile.^⍉

Review card features, like rewards or low intro APRs. With Experian, you can compare multiple card offers in one place to find the right one for you.

Click to apply for your selected card within the Experian app. Cards labeled 'No Ding Decline' won't hurt your credit scores if you are not approved.^⊛

Graphic credit card submit application screen.

With Experian, you can compare personalized credit card offers matched to your credit profile from partners like First Progress and more.

See your card matches

Checking your matched credit cards will NOT hurt your credit scores.

See why you should get your next credit card through Experian

Look for these features when comparing credit cards

Pre-approval

Check to see if you have pre-approved credit card offers. Most Experian members who visit our marketplace do.

No Ding Decline™

Worried about your credit when applying for a new card? Cards labeled ‘No Ding Decline’ won't hurt your credit scores if you are not approved.^⊛

See your card matches

Find credit cards by category

Learn more about credit cards

Do You Need Good Credit to Get a Rewards Credit Card?

5 min • Aug 27, 2026

Rewards Credit Cards

How Long to Wait Between Credit Card Applications

6 min • Aug 28, 2026

Credit Card Basics

Elevate Your Travel With the Marriott Bonvoy® American Express® Cards

7 min • Aug 18, 2026

Credit Cards

How Many Numbers Are on a Credit Card?

6 min • Aug 17, 2026

Credit Card Basics

7 Best Credit Card Features to Look at Before Applying

3 min • Aug 25, 2026

Credit Card Basics

What Is a Balance Transfer APR?

5 min • Aug 17, 2026

Apr

^†Offer pros and cons are determined by our editorial team, based on independent research. The banks, lenders, and credit card companies are not responsible for any content posted on this site and do not endorse or guarantee any reviews.

^⊛Applying for cards labeled No Ding Decline™ won’t hurt your credit scores if you aren’t initially approved. Approval of your application will result in a hard inquiry, even if you’re unable to pass final verifications, which may impact your credit scores.

Advertiser Disclosure: The offers that appear on this site are from third party companies that may compensate Experian Consumer Services when consumers engage with them, for example, by clicking an offer link, when an application is approved, or when an account is opened. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

First Latitude Secured Mastercard^® Cash Back Rewards

First Latitude Secured Mastercard^® Cash Back Rewards reviews

How to find the best credit card for you

See why you should get your next credit card through Experian