Assent Platinum 0% Intro Rate – How To Apply
When most people think of secured credit cards, they picture a basic tool with minimal perks and high costs.
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But the Assent Platinum 0% Intro Rate Mastercard turns that image on its head by combining the safety of a secured account with a genuine financial advantage: 0% APR on purchases for the first six months.
This is rare in the credit-building space, especially for secured cards, and it can make a meaningful difference if you’re using the card for necessary purchases while trying to avoid interest accumulation during your rebuilding phase.
The Assent Platinum 0% Intro Rate card is issued by Synovus Bank and is open to applicants regardless of credit history. In fact, no credit check is required—making it one of the most accessible credit cards on the market.
Assent Platinum 0% Intro Rate
Zero fraud liability Annual feeHow Does the Assent Platinum 0% Intro Rate Work?
To open the Assent Platinum 0% Intro Rate card, you’ll need to submit a refundable security deposit of at least $200. Your credit limit will match your deposit, up to $2,000.
That deposit is held as collateral and refunded when you close the account in good standing or transition to another card (although there’s no official upgrade path at the moment).
Once your Assent Platinum 0% Intro Rate card is active, you can use it like any other Mastercard, accepted worldwide. For the first six months, you’ll benefit from 0% interest on purchases, giving you time to pay off balances without accumulating interest.
After the promotional period, a regular APR (29.24% variable) applies, so it’s important to use the interest-free months wisely. Making at least the minimum payment on time every month will also help you build your credit, as the account is reported to Equifax, Experian, and TransUnion.
Main Benefits of the Assent Platinum 0% Intro Rate
The top benefit is clear: 0% intro APR on purchases for 6 months. This allows you to make necessary purchases upfront, especially helpful for people who are rebuilding credit after a financial emergency and take time to pay them off interest-free.
Unlike many other cards that require a hard credit inquiry, there’s no credit check needed for this one. This can increase your approval odds and protect your credit score during the application process.
The monthly reporting to all three credit bureaus ensures that your good behavior is rewarded. Pay on time, stay under your credit limit, and you’ll start to see your score improve.
The card also includes basic fraud protection, online account access, and customer support tools to help you manage payments and track balances.
Although it doesn’t offer rewards, the main reward here is the opportunity to build a solid credit foundation while using the interest-free period as a financial strategy.
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Cons of the Assent Platinum 0% Intro Rate
That said, the card has a few drawbacks. It comes with a $49 annual fee, which isn’t terrible, but is worth considering when comparing other beginner cards that may be free or offer cash back.
There’s no rewards program, no welcome bonus, and no travel perks. If those features are important to you, this card won’t deliver in those areas.
Also, once the six-month intro period ends, the APR becomes relatively high. Carrying a balance beyond that point can become expensive, so it’s best to use the interest-free time to your advantage.
Finally, while this card helps build credit, there’s no automatic graduation to an unsecured card, which means you’ll need to close the account or apply for another product when you’re ready to move up.
APR and Fees
- Annual Fee: $49
- Purchase APR: 0% for first 6 months, then 29.24% variable
- Cash Advance APR: 29.24%
- Foreign Transaction Fee: 3%
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $29
These costs make it important to use the card wisely and pay your balance in full whenever possible.
How to Apply for the Assent Platinum 0% Intro Rate
- Visit the official Assent Card website.
- Click “Apply Now” to begin your application.
- Enter personal details like name, address, and income.
- Choose your deposit amount, from $200 to $2,000.
- No credit check is performed, so approval is based on identity and deposit only.
- Fund your deposit, and your card will be mailed to you.
- Once received, activate it online and start using your card with 0% interest for the first six months.
It’s a fast, frictionless way to get access to credit, especially if you’ve been denied elsewhere.
