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First Progress Platinum Select Mastercard® Secured Credit Card

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Minimum Security Deposit

$200

Fees

One-Time Fees$0

Annual Fee$39

Monthly Fee$0

APR on Purchases

17.74% (V)

WalletHub Review

by John Kiernan

November 7th, 2022

First Progress Platinum Select Pros & Cons

Qualify with limited or no credit history

Membership fees

Foreign fee

Requires security deposit

First Progress Platinum Select Review

The First Progress Platinum Select Mastercard® Secured Credit Card is a fairly inexpensive option for people with limited credit who want a starter credit card with high approval odds or people looking to rebuild damaged credit. For the price of the First Progress Platinum Select Mastercard’s $39 annual fee, plus... show more

View 3705 User Reviews

First Progress Platinum Select's Additional Info

cash advance fee

3% (min $10)

cash advance APR

23.74% (V)

foreign transaction fee

smart chip

Yes

max late fee

$41

max overlimit fee

max penalty APR

None

Apply Now

at First Progress' secure site

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!

Apply Now

at First Progress' secure site

Questions & Answers

Can't find what you are looking for? Submit your question about First Progress Platinum Select Mastercard® Secured Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.

Can I apply for the First Progress Platinum Select card as a business?

Upvote

Evelyn Boros, Credit Cards Moderator

No, you cannot apply for the First Progress Platinum Select card as a business. You can only use your Social Security Number (SSN) to apply. You might, however, use this card for business expenses if you'd like. Just make sure to keep your personal and business spending separate.

where do I find my account number?

Upvote

Is the First Progress Platinum Select credit card graduation possible?

Upvote

@timpnorman

Unfortunately, First Progress Platinum Select credit card graduation is not possible.

How can I add an authorized user for my First Progress Platinum Select credit card?

Upvote

Hector Molina, WalletHub Analyst

You can add an authorized user to your First Progress Platinum Select account. To do that you should contact them at 866-706-5543 and leave a request. Please note that authorized users are not liable for account expenses and fees. You, as the primary cardholder, will bear all responsibility for the...

How much will my First Progress Platinum Select credit card credit limit be?

Upvote

Theo frank, WalletHub Credit Card Analyst

Your initial First Progress Platinum Select credit limit will be equal to your security deposit and that can be anywhere from $200 up to $2,000.

You can increase your credit limit over time to up to $5,000 with additional deposits.

Does the First Progress Secured Credit Card have a routing number?

Upvote

Syd Jones, WalletHub Credit Card Analyst

No, it does not, as it is a credit card. Only debit cards and prepaid cards have routing numbers.

How do I find my First Progress Platinum Select Mastercard transaction history?

Upvote

Vinnie Altone

You can find a list of your First Progress Platinum Select transactions here. You can check your balance there too, which is always helpful.

How can I pay my First Progress Platinum Select card?

Upvote

Maria Adams, Credit Cards Moderator

The easiest way you can pay your First Progress Platinum Select is either online or through the mobile app for Android. Alternatively, you can make a payment over the phone at (866) 706-5543 or by mail. First Progress does not allow cardholders to set up automatic payments.

Ways...

What's the First Progress Platinum Select routing number?

Upvote

Bogdan Roberts, Credit Cards Moderator

The First Progress Platinum Select doesn't have a routing number. Credit cards don't have routing numbers.

A routing number is a bank's electronic address that is used for different types of transactions. Discover Bank's routing number is 031100649. Credit cards don't need one though, as they have numbers and...

Can I apply for the First Progress Platinum Select if I already have another credit card?

Upvote

Leon Denerus, WalletHub Analyst

Yes you can have two First Progress credit cards. If you're not applying for the same credit card, you can have two cards from them.

Compare The First Progress Platinum Select

First Progress Platinum Select Mastercard® Secured Credit Card

PCB Secured Visa® Credit Card

Citi® Secured Mastercard®

(3,705)

(194)

(1,009)

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR17.74% (V)

Regular APR18.9%

Regular APR26.24% (V)

Rewards RateNone

Apply Now

Rates & Fees

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First Progress Platinum Select Reviews

Share your insights and review the First Progress Platinum Select Mastercard® Secured Credit Card

3.4

What's Your Rating?

sharonpoole63
January 19, 2017 • @sharonpoole63

I think this company should be shut down. They are predetory. Please read the reviews. I did and still applied. They do not have a quick process for the fee. They are only quick to take your money. I learned my lesson.

Comment

angel jackson
March 6, 2017 • @angelj4390

Very true!

Comment

rayswindsor
December 15, 2016 • @rayswindsor

I've had no problems and I've had it for almost a year. My limit is $300. I use it a lot, even maxxing it out probably once a month, but I constantly send payment online through my AmEx prepaid card (that's where my paycheck is direct deposited) so I've never missed a payment. It has increased my credit score with both 100% payment history and age of credit history. ALSO (AND THIS IS IMPORTANT) I know that they report to the credit agencies at the end of every month, so by the 23rd of every month I make sure that my balance is under 10% because if I go over that it brings down my score. After 6 months I qualified for a Capital One Platinum Mastercard with $300 limit, after 9 months I got a Fingerhut card with a $500 limit, and after 10 months, I got a Crate & Barrel card with $2000 limit. I have no complaints. I started with a score of 550 last year and I'm at 650 now.

Comment

azbbw40sub
April 30, 2020 • @azbbw40sub

Did you know that Fingerhut and Crate & Barrel 'type' cards (any card that is NOT a major credit card - Visa, Mastercard, etc...) doesn't improve your credit score regardless if it is reported to the credit bureau or not? I learned this through a building credit counciling class through my attorney when I filed BK on how to rebuild credit. The quickest and fastest way to rebuild credit scores is to only have 3 Major Visa/Master credit cards (secured or otherwise) that report to all 3 credit agencies. Then charge no more than $25 per month on each card and pay them off every single month.

Comment

timothy hudson
November 21, 2016 • @tirontiron58

This is by far THE WORST card ever and possibly a link to Identity theft! I sent in 300 dollars plus 29 dollars for the fee. After waiting TEN DAYS I called to get status. I was told a "letter" had been MAILED to me stating they needed "Proof of my identity" even though I used my American Express Crad to send deposit! Finally the card arrived and I began to use it. After a few charges and a few ATM withdrawals the card stopped working When I called to inquire I was told there was a "security hold" on the card because I did "too many ATM withdrawals" and they needed proof of my identity AGAIN! So I AGAIN faxed my Drivers' License copy, my Bank Statement AND my phone Bill which I had already faxed initially! I was THE TOLD they need a copy of my Social Security Card since my address on my Drivers' license didn't match my Bill address. Never did they ask for proof of income but wanted my Social Security Card! I cancelled the card and they're keeping the annual fee! THIS CARD IS A RIP OFF!

Comment

sharonpoole63
January 20, 2017 • @sharonpoole63

You are right. They are aweful. Always asking for personal items. I hate them.

Comment

angel jackson
March 6, 2017 • @angelj4390

So true! This happened to me!!!

Comment

Deborah Stone
May 24, 2016 • @deborahs_26

Applied, waited after approval...no card. Called. Told to fax documents. Done. No card. Called again. Told card was in the mail. Two weeks later. No card. Called 10 times in one day and message said "all of our agents are busy. Call again later"...all day???? Now going to report to BBB. The idea was to improve credit for home purchase. This process started over a month ago and no card still. Just gave them my money for nothing. Not ok.

Comment

sharonpoole63
January 20, 2017 • @sharonpoole63

This is sad. They need to be sued

Comment

Melissa Jean
February 10, 2016 • @melissaj34

Took the deposit without delay, then delayed the application for two months, continuously asking for more and more bank statements, account numbers, drivers license, utility bills, and seemed to have an issue distinguishing my PO box from my home address. Got numerous calls from "representatives" who didn't leave names, and when I'd call back the same number, it wasn't First Progress, it was an unrelated mortgage company. Impossible to reach anyone via email or login to their site. No one ever seemed to know what I was talking about. Said they sent my $300 deposit back, my bank says no they did not. Having to pursue this refund through my bank now. Reported to Credit Karma, as they appear to be preying upon those with poor credit. Huge waste of time and money, do not even bother with this nightmare company. Nothing about them seemed legit after they got their deposit.

Comment

Melissa Sweiss
December 14, 2015 • @melissas_29

This company is fraud; I figured their scam on august 24 2015 and closed my account after being scammed three times three months in a row. Since it was obvious that these crooks will end up scamming me; I requested in writing a document to prove my account has been closed; with five requests calls and faxes; I was able to the original document to show my account was closed. Though those fraud people did send me the letter; still the fight was on for me to get my $2000 security deposit refunded. Though my account was paid in full and I had a document in writing to prove so; the scum racket outfit lied to me for 90 days until I put pressure on them to get my money back. 92 days of pleading, faxing and calling; I finally got $1,870 less $130 these scum scammed me. Adding gas to the fire they reported me late in November though my account was closed in August and documented by them. As a result of fraud reporting by First Progressive Card; my score went down from 712 to 662 which put my business, pending mortgage app and biz affairs all at risk. I was forced to hire a professional credit company to assist me in clearing my credit; and retain an attorney to go after these scum. I am seeking help from the state attorney’s office and pursuing full investigation of this racket outfit I have created a webpage for other victims of this scam and pray no one goes through what these people did to me. I am very lucky I had that one document to prove my case; rest assured I will not rest until these guys are closed. BBB I respect your company and trust that you will help me going after these cowboys; we need to end this fraud and help victims of these bandits.

Comment

Jackie Sweis
November 25, 2016 • @jsnaperville

What ever happened with your case? Time for class action law suit!

Comment

Justin Gagnon
October 3, 2015 • @justing_8

This card is great for people with bad credit. I selected the apply now fund later option with expedited processing and my credit score went up 50 points. I dont know why everyone is complaining about a 10 day hold period. If your paying your bill and then using the card right away your not building credit responsibly.

Comment

Sara King
September 5, 2015 • @sarak_8

Terrible customer service. If you can avoid them please do. I lost my card and called for a new one and they told me it would be here within 7 to 10 days. 10 days came and I called another customer service rep. He told me that it was sent out and should be there no later than the following day. The following day came and still no card. Called customer service again and now they have no clue why I was told that and tell me that the request to mail a new card was never put in! It shows I called and requested it but no one sent it. What a joke!

Comment

sharonpoole63
January 20, 2017 • @sharonpoole63

Wow

Comment

rw60320
April 24, 2019 • @rw60320

this also happen to me got the new card but my available credit hasn't been transferred to my new card no available credit

Comment

Jake Ingalls
September 1, 2015 • @jakei

This Company screwed up the mailing of my statement, and had no other way to notify me of how much I had to pay. Fast forward to when they finally set up online statements, and they had reported the late payment even though they HAD MY MONEY TO PAY IT.
And now, after I made the payment, I have to wait another MONTH to get a loan, because they have no ability to send a zero balance statement short of the regular mothly statements.

Disgusting customer service to save them money, When its ALREADY a secured credit card. And then they report to the credit beuraus even when they have YOUR CASH on hand to pay the balance. Insane.

And they call themselves a company to rebuild your credit. More like another shark to prey on those who have problems managing money or have fallen on hard times.

Comment

Constantina Hauser
June 26, 2015 • @radio4by4fan

How can I forget my First Progress secure card. While I was rebuilding my credit, this card became so handy to me. They do report to all three credit agencies and that matters quite a bit. I had other secure cards, where my progress was not reported on a timely matter.

I opened my First Progress account with a mere $100 and kept increasing my limit as time went on. Eventually, after 1 year, I received my security deposit back. One thing I did not like about this card was the annual fee, but at the time I did not have many other options.

Overall, I would recommend this card to anyone who is trying to improve their credit score.

Comment

Sophiia Loren
July 21, 2015 • @sophiial

Please explain to me how th is works before I spend my money im new to the whole experience ad am trying tp figure out if I put 300$ deposite what is my limit how does the funding work???help

Comment

Review First Progress Platinum Select Mastercard® Secured Credit Card

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First Progress Platinum Select Mastercard® Secured Credit Card

First Progress Platinum Select Mastercard® Secured Credit Card

Accepted Credit Scores

Minimum Security Deposit

Fees

APR on Purchases

WalletHub Review

First Progress Platinum Select Pros & Cons

First Progress Platinum Select Review

First Progress Platinum Select's Additional Info

Questions & Answers

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