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  • Credit card
    On our issuer's secure site
    Rates & Fees

    First Latitude Elite Mastercard® Secured Credit Card

    Annual Fee
    See Terms
    Variable APR
    24.24%
    Minimum deposit
    $200

    Annual Fee

    Variable APR

    24.24%

    Minimum deposit

    $200
    • 1% Cash Back Rewards on payments.
    • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
    • Build or rebuild your credit!¹
    • Reports to all 3 credit bureaus
    • No minimum credit score required for approval!
    • Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
    • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
    • A $200 refundable deposit is your first step toward better credit!
    • Secured Cards are a great way to start establishing credit for people with low/no credit.¹
    • Receive your card more quickly with new expedited processing option
    • User-friendly Mobile App for account management.
    • First Latitude is accepted wherever Mastercard® is accepted.
    • See Important Disclosures for complete offer details
    • Have you Received your Tax Refund? Apply for First Latitude today to Take Charge of your Financial Goals!
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  • Good for repairing your credit
    Credit card
    On our issuer's secure site
    Rates & Fees
    Good for repairing your credit

    Surge® Platinum Mastercard®

    Annual Fee
    $75 for 1 year, then $99 - $125
    Fixed APR
    35.90%

    Annual Fee

    $75 for 1 year, then $99 - $125

    Fixed APR

    35.90%
    • Up to $1,000 Initial Credit Limit.
    • See if you Pre-Qualify with No Impact to your Credit Score (If you’re approved and accept your offer, that may impact your credit score).
    • Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
    • With responsible card use, you may be able to rebuild or improve your credit.
    • Unsecured credit card that requires No Security Deposit.
    • Perfect card for everyday purchases and unexpected expenses.
    • Monthly reporting to the three major credit bureaus.
    • Use your card everywhere Mastercard is accepted at millions of locations.
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  • Good for building credit
    Credit card
    On our issuer's secure site
    Rates & Fees
    Good for building credit

    Merrick Bank Secured Credit Card

    Annual Fee
    See Terms
    Variable APR
    22.70%
    Minimum deposit
    $200

    Annual Fee

    Variable APR

    22.70%

    Minimum deposit

    $200
    • Choose your own credit line based on how much money you want to put down as a security deposit.
    • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
    • After 9 months, we review your account for a credit line increase. No additional deposit required!
    • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
    • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
    • Get your FICO® Credit Score for free each month.
    • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
    • Card issued by Merrick Bank, Member FDIC.
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    Rates & Fees
  • Good for repairing your credit
    Credit card
    On our issuer's secure site
    Rates & Fees
    Good for repairing your credit

    FIT™ Platinum Mastercard®

    Annual Fee
    $99 for 1 year, then $125
    Fixed APR
    35.90%

    Annual Fee

    $99 for 1 year, then $125

    Fixed APR

    35.90%
    • $400 Initial Credit Limit.
    • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
    • With responsible card use, you may be able to rebuild or improve your credit.
    • Perfect card for everyday purchases and unexpected expenses.
    • Monthly reporting to the three major credit bureaus.
    • Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements).
    • Use your card everywhere Mastercard is accepted at millions of locations.
    • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines).
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  • Good for cashback rewards
    Credit card
    On our issuer's secure site
    Rates & Fees
    Good for cashback rewards

    OpenSky® Plus Secured Visa®

    Annual Fee
    $0
    Rewards
    Up to 10%
    Variable APR
    28.99%
    Minimum deposit
    $300

    Annual Fee

    $0

    Rewards

    Up to 10%

    Variable APR

    28.99%

    Minimum deposit

    $300
    • New feature! Earn up to 10% cash back* on everyday purchases
    • No annual fee
    • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
    • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
    • Monitor your credit progress with free access to your FICO Credit Score.
    • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
    • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
    • Secure your credit line with a refundable security deposit - as low as $300.
    • Easy application, apply in less than 5 minutes right from your mobile device
    • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
    • Now you can make smaller partial payments towards funding your security deposit over 60 days
    • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
    • *See Rewards Terms and Conditions for more information
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