First Progress Platinum Prestige MasterCard® Secured Credit Card

APPLY NOW
  • 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:
$44
Purchase Intro APR:
N/A
Purchase Regular APR:
11.99%*
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 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
Anonymous
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 MyFico.com 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
JVinATL
by JVinATL
Helpful to 47 out of 47

Do NOT get a First Progress card unless you have to! Worst decision I've made. They took my deposit quickly but that was the only thing fast about the process. Slow to get it, no online payments except bill pay through my bank which takes them forever to process so you MUST pay early to avoid fees and their transaction updates online are behind so it looks like you have available credit when you don't. Just terrible service all around. Getting another card but keeping this one open for upping my score.


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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 June 2016 through November 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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