First Progress Platinum Select MasterCard® Secured Credit Card Reviews

Approval Odds

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2.4 out of 5 stars
33 Reviews

From Cardholders in the last year

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Application Process

3 out of 5 stars

Customer Service

2 out of 5 stars

2.5 5

Card Details

  • Balance Transfer Intro APR Not Applicable
  • Balance Transfer Regular APR Not Applicable
  • Annual Fee $39
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 13.99%* Variable

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.


Most Helpful Positive Review

Jan 31, 2017
Great for building credit.
DerekD84 Cardholder

Had this card for 3 years. I had really terrible credit from stupid choices when I was younger. Opened this card and made my payments on time every month. This, among other things, helped me build my credit enough to finally buy a house. I just closed it because they wouldn't waive the fee annual fee and I have better cards now. Customer service was really easy to deal with when I closed the card. No hassles at all. Would definitely recommend to someone with no credit. Would not recommend to people that have other choices. 

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Most Helpful Negative Review

Apr 14, 2017
The worst customet service criminals
Kcbat Cardholder

BEWARE,They are horrible I had this card gor a year paying the outrageous fees when I called to cancel the customer service actually threatened to hurt my credit unless I retained the card I laughed it off BUT GET THIS I CHECKED MY CREDIT TODAY AND THEY ADDED 2 LATE PAYMENTS no late payments until I closed the card Criminals liars Report to state banking commission and BBB SO BEWARE

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These reviews were written by current and former cardholders in the last year.

Oct 15, 2017
Anonymous Cardholder

They advertised as a chipped card with extra security. Once the card arrived it didn't have a chip. Customer service stated NONE of their cards have a chip. Also, paid the extra fee for expedited shipping. Seems like it took close to 2 weeks to get it .. only plan on keeping it a year ..

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Aug 15, 2017
has it's downs
ROLY6767 Cardholder

the application process was awesome just pay your bills on time you'll have no issues. the only problem I had was they sent me a bill before I received my card but it's alright my score went up 60 points in one month they are awesome

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Jul 23, 2017
lucky8251 Cardholder

Their customer service sucks. And you cant understand them.
I had a 13 $ balance. Never. NEVER received a statement for 3 months.then may credit score fell 50 points.checked why they reported me for being late!!! My 13$ balance went to over 100$ because of late fees. Again didnt get statements. Tried to talk to them couldnt understand any of them ! From first person to manager!!
Im building my credit back, leave a small balance on all 8 of my cards. This company you have issues with online payments and receiving statements. Went paperless same freaking issue. STAY FAR AWAY FROM THESE PEOPLE!!!

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Sep 07, 2017

I shall build that wall around their call center!!!!

Jul 23, 2017
lucky8251 Cardholder

They suck !!! Customer care is flat out not there. They send your statements as said. Ive not used my card. Never received a statement. Ended up paying over 120$ because of a 13 $ balance that they keep tacking on $39 dollar late fee. Said they would correct it . never did. You can understand customer service.
Stay far away from these guys !!!!!!!!!!!!

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Sep 09, 2017

I understand you did not recieve a payment, but did you put the $13 on the card?

Jul 19, 2017
Would not recommend to anyone
jordan1muffler Cardholder

I have had this card only for a few weeks. I added a ecured balance of 200.00 when I applied. The card took almost 3 weeks to get to me after applying. I received the pin code a week after that. and my first bill 2 days later. My biggrest issue at first was trying to contact someone at their custmer service, which is next to impossible unless ou have your card in the mail and it still does not tell you that your log in info is your card number and last 4 of your social. Once you get set up online you apparently have not only activate the card online you have to call as well even though online tells you that its activated. 

Second biggest issue. The day I received the card I already had a charge immediately for 49.00 which I had assumed was the service fee ( I figured okay no big deal) the part I coulld not figure out was that my balance showed availble credit of 124.50.( I havent even used the card yet!) The first bill I got did not show the service charge but online did. I immediately set up to pay the bill which come to find out if your bankk does not offer Bill Pay then you have to mail a check in. Thats the only options you get. Anyways, I pay the the balance off so i am supposed to be back at a 200.00 credit limit, WRONG!! My wife used the card for one purchase of 12.67 at the corner store and my payment had posted as well but mysteriously I have only 64.85 in available credit!?!?!  I can not get the math to add up. Even if I use their APR for purchases at 9.99% I am still no where close to what they say has been used. 

I would not recomend this card to anyone whatsoever and if youa re looking for a good secured card then look at the OpenSKy or CapitalOne Secured cards. Both of those are Easy to use and have exceptional customer service.

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Jul 06, 2017
Went from a 495 to 657 in 3 months
Anonymous Cardholder

I see a lot of people complained about customer service. Look, they are in Georgia and older people, therefore a little slower. But think of them as an older family member that is making ends meet. You wouldn't pick on your aunt or grandfather working a job like that to keep his lights on would you? If the answer is yes, you've got a bit of self reflection to do. I find them extremely helpful, and I've not had any real issues. After THREE months of two First Prigress cards (I did a $300 and $1000 limit card), I was approved for a Delta American Express. This is a great card for anyone WITHOUT bankruptcy (the only people that don't get approval are bankruptcy individuals) that's looking to rebuild their credit fast. Mind you, I was disputing things and paying things off via the "Snowball method" (Google it) which helped a lot, but I'm over a 700 now within the same 6 months as first getting my two cards, 250 point climb. I highly recommend them. 

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Jul 16, 2017

What card would you suggest to people who filed bankruptcy?

Sep 07, 2017

A credit one ultimate aluminum card

Jun 24, 2017
Anonymous Cardholder

Don't do it!!! High interest rates and they will close your account even if you made the payment

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Jun 20, 2017
Works For Rebuilding
GDough Cardholder

My Situation

I was 20 years old and ruined my credit in merchant and consumers accounts due to opening a business, had banking accounts closed along with the credit from those banks as well. My score had dropped to about 460 in 2013. This eventually lead to  having a bad credit status and being marked in ChexSystems, which prevents you from opening any sort of consumer accounts like checking accounts. After finding a job shortly after, instead of filing for bankruptcy, I decided to go ahead and repair my credit and it started with First Progress.

So this is my review 2 years and 9 months later...

Some prerequisites:

1.) You need to have bad credit, either this card is not for you. Even if you have no credit and want to build credit, this card is still not for you.

2.) An extra $200 or more (I put $300)

3.) Patience and knowing how/what to use it on. (give it 6 months at least, 12 months if you have many baddies on your account).

4.) Checking Account that allows bill pay, or another form of card that has these features (such as the Chase Liquid Card, which is what i used)

5.) The following needs to stick in your head: 

     a) Remember that rebuilding credit COSTS in some shape or form, either by deposits, charges and annual fees. Rebuilding is not easy, it takes a lot of patience and of course money. 

     b) Rebuilding is not just opening secured accounts and hoping everything will be fixed in a couple of years, you need to constantly work in fixing your negative remarks on your account, to a certain extent.

Opening Account

Opening the First Progress account was pretty easy, that is if you have a bank account to fund it with. If you do not have a bank account, I would highly recommend the Chase Liquid Card as they allow you to use their Online Bill Pay as a feature. The Chase Liquid Card is what I started out with since I was marked on ChexSystems and was unable to open any checking/savings accounts at any bank at the time (due to closed checking accounts with negative balances). The process took over a week and a half for them to receive the deposit and send out the card. Then I received it in the mail about a week later, so about 2 - 3 weeks in total for the whole process it took for me, but this can take longer for some areas.


Using the card was simple, I put $300 as the deposit and if this was your first secured card like it was for me, you would need to be responsible to keep it below the 30% utilization rate. Since I put $300 as the deposit, 30% in this case would be $90. You would need to make sure your max spending limit to have at the end of a billing cycle would be lower than $90, meaning when you recieve you billing statements, your balance owed should not be over $90, since $90 is 30% of your overall utilization rate. This is extremely important when you start applying for other cards down the road.

I would highly recommend finding some way to bill pay direcly to First Progress's account, the first bill I paid I used MoneyGram at a local CVS and this was the first and last time I would do something like this, it takes longer for First Progress to receieve the payment and could possibly make your payment late, plus the hassle of going in store, calling, connecting, providing the information, and confirming took about 40 minutes since this was my very first time doing something like this. Theres lots of debit cards that allow bill pay if you do not have a checking account or unable to get one like me at the time.

By also wary that this has an annual fee, for me it was $39 a year.


My score was around 460 when I started in 2014, in about 6 months, my score jumped to 524. Not exactly an average score, however as long as progress is made, you're on the right track (and so was I). I soon applied for another secured card from Capital One a couple months after, and at the end of the 12th month, my score was around 580 from these 2 secured cards, which 580 for some credit cards applications is the bare minimum. First Progress was easy to use as it was accepted everywhere and suprisingly did not require a signature, unlike unsecured cards which do.

Eventually after a year and 2 months, I applied for my first Capital One Unsecured card (QuickSilver One) and was given a $500 limit. The secured card from Capital One also bumped up from $300 (my original security deposit) to a $600 credit line. I had First Progress to thank since it lead me up to this point in 2015.

However, don't expect an increase from First Progress as they do not hand out credit increases, whatever you deposit is what you get. I still have the same $300 limit from the time of opening the account to now.

Overall, this card was easy to use, and I had no problems with payments or First Progress using bill pay from Chase Liquid's Card. I would highly recommend this along with other secured cards for rebuilding your credit.

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Aug 16, 2017

You have given me a couple more ideas for continued increase of my credit score. Thankfully it is slowly improving from a lot of medical bills.

May 21, 2017
Anonymous Cardholder

THEY FALSE ADVERTISE. EVERY CUSTOMER GETS THE SAME UGLY GREEN CARD. THERE ARE NO CHIPPED CARDS. You will get a hard inquiry with this, there are only 2 ways to pay and one way is Moneygram at Walmart/Cvs and will cost you $72 a year. High annual fee, sucky website and is outdated. Terrible.  when you pay by check it takes two weeks for check to clear !  I have heard it takes almost 2 months to get the deposit back. So disappointed. 

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May 21, 2017
Anonymous Cardholder

THEY FALSE ADVERTISE. EVERY CUSTOMER GETS THE SAME UGLY GREEN CARD. THERE ARE NO CHIPPED CARDS. You will get a hard inquiry with this, there are only 2 ways to pay and one way is Moneygram at Walmart/Cvs and will cost you $72 a year. High annual fee, sucky website and is outdated. Terrible.  when you pay by check it takes two weeks for check to clear !  I have heard it takes almost 2 months to get the deposit back. So disappointed. 

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Aug 25, 2017

If your bank has bill payment on line use it my bank has most other Banks account numbers to do direct payment on your bill I use it every time and it is credited to my account in 24 hours

Sep 23, 2017

Let's see I scheduled mine too be payed Monday via my banks bill pay was not available until Friday the same week if you pay on Wednesday like I did the first time didn't process until the following Tuesday and neither time was a holiday weekend either so consumer beware you've been warned!

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Sample Size: 1,844
Data Created: February 02, 2015

Note: Sample data consists of Credit Karma members who hold this card.
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‡ Average score refers to the arithmetic mean and typical low score to the 5th 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 2014 through November 2014. 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.

First Progress Platinum Select MasterCard® Secured Credit Card