First Progress Platinum Select MasterCard® Secured Credit Card

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  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
Annual Fee:
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Balance Transfer Intro APR:
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Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 19.99%* Variable
Cash Advance Fee 3%, Min: $10
Late Fee Up to $38
Penalty APR See Terms*
Balance Transfer Fee N/A
Foreign Transaction Fee 3%
Return Payment Fee Up to $27

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
Fine For Me
by Anonymous
Helpful to 3819 out of 3994

I could not get approved for a few other cards when I came across this one. Compared to other secured cards the annual fee wasn't bad. I put $300 down and have had it over a year. I'm sorry, I don't really remember how long it took to be accepted, money taken out of account or to receive the card since it was awhile ago.

I only use the card to pay my car insurance on auto pay. So instead of paying my car insurance bill every month, I pay the credit card bill. I don't use it for any other charges so technically I'm not out any extra money each month, except the once a year annual fee. 

This is the key to rebuilding your credit. Don't use it! Just put a low bill on auto pay with it and forget about it. Otherwise you will be spending money you don't currently have the cash for. Pay it off each month and don't pay any interest. You should only use 30% or less of your credit limit each month anyways to keep your debt to credit ratio low, which also helps improve your credit score. My car insurance is only $90 a month, which is 30% of $300. 

In the last 14 months or so that I have had it, I have been offered and approved for 3 non-secured cards. Once again, I put a different bill on auto pay and don't use it for anything else. Keep it simple and you won't get yourself in trouble. I have improved my credit from low to mid 500's to about 690 in 14 months. Not bad if you ask me. 

I do not work for this company by the way. I'm just a hard working 30 something year old girl trying to earn good credit by being as responsible as I can. I will not make the same credit mistakes I made when I was in my twenties. 

Good luck! If used responsibly this could be a good card for you! :)

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
company is still living in the stone age
by ctencore
Helpful to 1328 out of 1418

I've had this card for over a year.  It was the first card I ordered when I was looking to rebuild my credit.  While it did help me acomplish this goal (now a 668 score), working with these people with minor customer service requests is not easy.  Talking with them you get the impression they just started using computers last month.  The level of training they give their staff to accomodate their customers feels marginal at best.  Whenever you ask a question usually they have to go ask someone else, or transfer you to someone else.  They don't take payments via debit card either.  And when you do make a payment, unless it's a direct bill pay from your bank, they take forever to post it to your account.

The final straw for me was when I inadvertantly overpaid my credit card bill.  No worries, I wanted to just have them ad that to my credit line, increasing it from $644 to $1000.  After all, they already have my money, how hard can this be?   Well, the answer is "IMPOSSIBLE."   They told me they would need to send me a check for the $356 I over paid them, and then I would need to send them back a check for $356, the amount of the credit line increase.  What?  You already have the money!!!!  How much sense does that make?  Someone can't just apply the credit I have with them to my credit line????  "I'm sorry sir, we can't do that."  

Another issue is the whole credit line increase process itself.  You have to be "Approved" to increase your credit line and it can take 30 days.  Let me get this straight, I want to send you more of MY money to hold in deposit, you earn interest on that money AND charge me 18.99% to use MY money, and I have to be "approved" to do this and it's a somewhat arduous process?  Who's running this place, the guy from Rain Man?


For those looking to rebuild their credit I recommend Barclaycard (no deposit required but they start you out with a low credit line & increse it over time). Capitol One is another good one, you can increase your credit line AT ANY TIME by simply sending them more money.  You can also reach them nearly anytime, which is awesome, and their customer service reps are awesome as well.   Another good card is First Premier Bank.  This one does not require a deposit either, they just start you out small and work your way up.  I believe I had a $350 credit limit for the first 6 months.  Then it was increased to $700.  6 months later they sent me a new card for a 2nd account, with a credit limit of $1,500.  Now that's how you rebuild credit.... use the cards, make the payments on-time, and they constantly increase your limit, showing other normal creditors that you're responsible with larger credit limits.  As a result of all this I recently got a Discover card with a $1500 limit, a CitiBank credit card with a $2500 limit, and a chase card with a $2000 limit.  All starting with a 522 credit score 15 months ago.

Our Take

The First Progress Platinum Select MasterCard® Secured Credit Card is a solid option for building credit.

What to Like

It's a secured credit card, meaning there's no credit history required to get approved. First Progress also reports monthly to all three credit bureaus.

Look Out For

Because the card is secured, you'll have to pay a security deposit after you’re approved. The card also charges an annual fee.

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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from January 2017 through June 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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