First Progress Platinum Prestige MasterCard® Secured Credit Card

  • 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
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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 18.99%* 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
Great Card for Rebuilding Credit
by Anonymous
Helpful to 2291 out of 2386

I have had this card for around 4 months now.  The whole process from applying for the card and receiving the card took about a month, but it was definitely worth it!  This is not a card you want to use to carry a balance after all it is a secured card and is for rebuilding credit not using the card because you actually need the credit.  So keeping this in min this is how I use my card... I use no more than 30% of my $300.00 credit limit.  I pay my balance off in full every time I receive my statement.  To pay off my bill I purchase a money order and mail it in and it usually takes 6 days to credit my payment (this is the best and quickest way to make your payments with this company).  I will say that I've contacted customer service a couple of times before I received the card and no, they aren't the nicest people, but it is a secured card and not an AMEX card so I don't expect red carpet service.  All in all having this card has contributed to raising my FICO score 58 points in 3 months. I have been using CK for around 4 months now and it has helped me trmendously.  I have read so many extremely helpful reviews on here!  Between this website and I have raising my Fico score from a 591 to a 649 and I now qualify to purchase my first home!  I am 28 and have made some mistakes in my past and have been very irresponsible, but I am proof that it can be done.  It took me around 4 months for this score jump and some money to pay off some bills, student loans, collection accounts, (you name it I had it lol), but I'm getting there and I couldn't be more thankful for websites like this one :)

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
this is a terrible decision
by Staxx508
Helpful to 226 out of 241

While this card has its benefits, it's pointless to apply for it.  It's an $89 processing fee PLUS a $75 annual fee which is $164 that you will never get back. You can get the same benefits with a capital one secured credit card.  I paid the $89 processing fee then the woman in customer service said I have $225 available because of the annual fee.  I immediately cancelled to get my $89 back, applied for capital one secured and was approved for $99 security deposit that I will actually get back!  Plus the annual fee is almost 1/3 with capital one.  $37.  So instead of losing $164 to get a $300 credit limit, You lose, worse case, $236 with $199 that you get back, and it's easier to get approved for the capital one card.  With capital one you will have to pay either $49, $99, or $199 deposit based on your credit.  But as I said, you get it back in the end.  Plus with on time payments in your first 5 billing cycles, your credit limit will be increased.   So essentially, you are getting the same benefit with much less cost.  It may cost a little more upfront, but you get all but the $37 annual fee back when you close the capital one card.  

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‡ 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 April 2016 through September 2016. 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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