First Progress Platinum Elite MasterCard® Secured Credit Card

Apply now
  • 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:
$29
Purchase Intro APR:
N/A
Purchase Regular APR:
19.99%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
N/A

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 24.99%* 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
discoverandcitisuck
HELPS CREDIT
by discoverandcitisuck
Helpful to 18 out of 20

WENT FROM LOW 500 TO 604 IN 18 MONTHS. WISH THE APR WAS LOWER BUT ANNUAL FEE ISNT TO BAD.

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
BradfordCC
NO online payments, NO online anything!
by BradfordCC
Helpful to 55 out of 62

No online payments and no online anything. No app no way to review purchases. Easy approval but wow this is weird. Seems like a scam.

 Everything is through the mail. Very hard to talk to someone. Be careful! I will update this in 60 days. 

You have to mail checks or it's very hard to make payments over the phone. No confirmation of payments received and lots of fees. $10 to make a payment. Something doesn't make sense.

I now have it and I hope they do not mess up my credit. There has to be a better option. I mailed a money order today. 14 days early and I will see if my $29 fee is paid. I sent in $50 just to make sure. 

online is way more cost efficient so I have no idea why they only want checks and mailing of everything. 

 


Our Take

For people with limited credit histories, the First Progress Platinum Elite MasterCard® Secured Credit Card offers a way to start building.

What to Like

The First Progress Platinum Elite MasterCard® Secured Credit Card reports monthly to all three major credit bureaus, making it useful for building credit with on-time payments and other responsible use. There’s no minimum credit score or length of credit history needed for approval, and your credit limit may be increased over time without additional deposits.

Look Out For

The card comes with a $29 annual fee. It’s also a secured card, meaning you’ll have to put down a deposit equal to the amount of your initial credit limit.

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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 February 2017 through July 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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