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$49
Annual fee
0%
Intro purchase APR
for the first 6 months (then 12.99% variable)
300
Recommended credit score
Review by
Kevin Joey Chen is a credit cards, banking and investments writer whose work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com. He's passionate about helping you get your finances in order by expertly navigating cutting-edge financial tools — including credit cards, apps and budgeting software.
Synovus Bank markets this card to applicants with damaged credit or those new to credit. Typically, with secured cards that require credit checks, you have better odds if you apply with at least a fair FICO score of 580 or above. You may qualify with a lower credit score, but there’s a larger chance of denial.
The Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card‘s intro APR is a unique benefit, and the low ongoing purchase APR is unique to secured cards.
However, it’s high annual fee make it difficult to take advantage of these features. And it’s better to pay your monthly balance in full, rather than rely on a low APR.
Instead of paying an annual fee for a low interest rate, consider a no-annual-fee secured card that can save you money and help you build credit.