First Progress Platinum Select MasterCard® Secured Credit Card

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  • Fund your new MasterCard® secured credit card with your tax refund today!
  • 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:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

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 See Terms*

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 3535 out of 3697

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
by LynnAZ
Helpful to 149 out of 154

They have had $1500 of my money since Aug 2015. 

Sept 2015 they shut the card down due to fraud?

it took me until June 2016 to get a new card. Never received statements. Access online was tied to old account number which is closed. July 25 I finally got ahold of someone by pressing lost/ stolen card. I've waited up to 45 mins and then get cut off to speak to customer service. I paid the card off and was charged 10.00 because you can only pay with your bank acct   It will take 10 days to post until the card will be considered closed then an additional 10 WEEKS to get my 1500 mailed back. 

They have been using my 1500 for over a year with their backward account practices. This company needs to be investigated. Taking advantage of people and using their money for their benefit. 



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 August 2016 through January 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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