My credit score is a dismal 548. Do I meet the minimum score to apply?
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First Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Prestige Mastercard® Secured Credit Card
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Sponsored Card
APR2,547Reviews64Q&AContact
APRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Fair Credit, Limited History, Bad Credit
Minimum Security Deposit
$200
Fees
One-Time Fees$0
Annual Fee$49
Monthly Fee$0
APR on Purchases
14.24% (V)
WalletHub Review
by John Kiernan
January 9th, 2023
First Progress Platinum Prestige Pros & Cons
Low regular APR
Qualify with limited or no credit history
Membership fees
Foreign fee
Requires security deposit
First Progress Platinum Prestige's Additional Info
| cash advance fee | 3% (min $10) |
| cash advance APR | 23.24% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $41 |
| max overlimit fee | $0 |
| max penalty APR | None |
Receive Your Card More Quickly with New Expedited Processing Option
No Credit History or Minimum Credit Score Required for Approval
Quick and Complete Online Application; No credit inquiry required!
Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
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
Nationwide program; available in all 50 US states *See Card Terms.
Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
Make 6-months of on-time payments & you’ll be invited to apply for an unsecured First Digital Mastercard!
Questions & Answers
Can't find what you are looking for? Submit your question about First Progress Platinum Prestige Mastercard® Secured Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
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How can I pay my First Progress Platinum Prestige deposit?
10
UpvotesReply
WalletHub
Upon filling out a First Progress Platinum Prestige Mastercard application, you will be asked to add your checking or savings account information or use a money order, for your card's security deposit, should you get approved.
The amount that you choose to deposit ($300 - $2,000 with this First...
If I make a deposit of $250, what will my credit limit be?
9
UpvotesReply
@jordana_33
$250. Your security deposit will become your initial credit limit.
How to increase the card's limit?
7
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What's the starting credit limit for the First Progress Platinum Prestige card?
5
UpvotesReply
Wilfred Salcedo
The starting credit limit for the First Progress Platinum Prestige card is $200. This is the minimum refundable security deposit you need to make in order to open your account.
This amount will also serve as your credit limit, not allowing you to spend more than you can actually...
Will First Progress check my credit if I apply for the Platinum Prestige credit card?
5
UpvotesReply
Peter Fox
Yes, First Progress will check your credit if you apply for a Platinum Prestige credit card. But it will only do a soft pull, without hurting your credit score.
So your chances of approval are high even with a bad (300+) credit or without a credit score at all.
Can you pay the deposit with a prepaid debit card?
5
UpvotesReply
Alex K
Yes, you will be able to pay your deposit with a permanent prepaid debit card. Temporary ones don't work.
Where can I check my First Progress Platinum Prestige balance?
4
UpvotesReply
How can I reach the First Progress Platinum Prestige card customer service?
3
UpvotesReply
Maria Adams
You can reach the First Progress Platinum Prestige card's customer service:
- Online
- By calling (866) 706-5543
- By sending your inquiries to the following address:
First Progress Card
P.O. Box 9053
Johnson City, TN 37615-9053
How can I qualify for First Progress Platinum Prestige graduation?
3
UpvotesReply
Marlin Darden
You cannot qualify for a First Progress Platinum Prestige graduation.
Currently First Progress doesn't offer any unsecured cards.
If you've managed to improve your credit score and have at least a fair (640+) credit, you could apply for another credit card, one that's unsecured. Click here to check out the best offers.
Compare The First Progress Platinum Prestige
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR14.24% (V)
Regular APR18.9%
Regular APR29.74% (V)
Rewards RateNone
Rewards RateNone
Rewards RateNone
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First Progress Platinum Prestige Reviews
Share your insights and review the First Progress Platinum Prestige Mastercard® Secured Credit Card
3.4
2,547 reviews
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4 Star Rating
Verified CustomerAwesome credit card company who give chances to people with bad/fair/ or not so perfect credit. Haven’t received my card yet though it’s been almost a month in total soon
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1 Star Rating
Zero grace period. 3 days late and it ended up on my credit. (this is unheard of it's usually 25-55 days on average) They don't allow electronic transfers so if the mail or your bank slows things down you've taken a hit on your credit. I have a total of 4 "late payments" listed on my credit... 3 of the 4 were from this credit card. Do not recommend just for the inconvenience of actually making on time payments. It's like they set people up to fail even when they have the means to make the payments. I'll be closing the card now. I held off just because removing it could hurt my credit but clearly it's more of a risk then it's worth.
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2 Star Rating
Verified CustomerPayment can only send by check (cannot do electronic bank transfer), it takes 3-5 days for a bank send check to First Progress and another 10 days on hold before the available credit gain back. I recommend using this card with a small amount to avoid the slow payment processing make you get caught with a high utilization rate.
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5 Star Rating
Verified CustomerExcellent starter card at 9.9% how. Can. You. Go. Wrong? It. Boosted my score 56 points. Before. I even received the card. In the mail.
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1 Star Rating
Verified CustomerIf I could give no stars I would worst credit card ever, they don’t care about clients and are thieves! Closed my account even after I sent them personal info to P.O. Box with receipt claimed they never got it and closed my account. Terrible company
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1 Star Rating
Verified CustomerDO NOT APPLY FOR THIS CREDIT CARD, SCAM!!! They will do a hard inquiry and they do report. My credit score dropped 71 points after being approved. I'm trying to build my credit and I paid them $200.00 to have score lowered by 71 points. They are LIARS!!!! Their inquiry is on my credit report. I spoke to customer service and they told me that "negative reporting" is not the same as "reporting" that incurs a negative result.
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1 Star Rating
Join your local credit union and save money this type of deal is all bad for anyone. I had a secured card through mine for a year and now have an unsecured one for almost four years with a $5,000 limit and low interest. Best part is no yearly or monthly fees are added by credit unions and they work with you.
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5 Star Rating
Verified CustomerThe people at first progress saved me by finding all of the fraud charges, and letting me know that that was why my credit score tanked so bad.
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5 Star Rating
Verified CustomerI just received my card, so far so good. Don't spend what you can't pay back. I'm hoping my credit score will go up. I found easy way to pay my bill online and early I downloaded the Doxo app and sent my first payment in and I subscribed to Doxo so I won't have to pay to send the money
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You’re not able to pay online that’s a farce. I spoke with two supervisors and two customer service reps. They only let you mail in payment, OR give them your routing and account number but that for SOME reason could take up to TEN DAYS.
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4 Star Rating
This is a good card for people like me with no credit who had to build credit from scratch. The secured deposit I made wasn't expensive, so I was able to get the card without much hassle. If there's one thing I would change about the card, it is the annual $44 fee. I know that that fee is lower than some other annual fees, but I still find it a bit annoying. I use this card monthly, and I keep to a strict budget to make sure I don't go over my limit. That this card is accepted pretty much every is very convenient for me. Overall, I highly recommend this card to young people, people with no credit, or even people with bad credit trying to restore their credit history.
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Review First Progress Platinum Prestige Mastercard® Secured Credit Card
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Offer last updated: Jan 9th, 2023 at 10:32 ET