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
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The First Progress Platinum Select Mastercard® Secured Credit Card does not allow balance transfers. In general, balance transfers let you to shift high-interest debt from your current account to another issuer's credit card and pay off the balance, presumably at a reduced interest rate.
The objective of a balance transfer is to save money on interest, so you will want a card with a low introductory APR on balance transfers. Just be sure to pay off the transferred balance in full before the introductory rate expires. Otherwise, the remaining balance will accumulate interest daily at the card's regular APR.
You can find out how much a balance transfer card with a low intro APR will save you in interest charges by using WalletHub's balance transfer calculator. This tool will also recommend credit cards that may help you save money and get out of debt faster.
The First Progress Platinum Select card minimum payment is $43 or 5% of the statement balance, plus fees, past-due amounts, and interest – whichever is higher. If the statement balance is less than $43, the First Progress Platinum Select card minimum payment will be equal to the balance. In addition,...
Yes, the First Progress Platinum Select Card reports to the credit bureaus every month, within days after the cardholder's billing period closes. First Progress reports the card's credit limit, account balance, and payment history to all three of the major credit bureaus: Experian, TransUnion, and Equifax.
There is no First Progress Platinum Select concierge benefit. Cardholders with questions about their account can call 1 (877) 724-0932 for assistance, but the customer service representative won't be able to perform the wide range of services provided by some credit card concierges.
The First Progress Platinum Select card does not have purchase protection anymore, since the benefit was removed as part of an industry-wide shift away from traditional secondary perks on credit card offers. This is pretty common, unfortunately, as only around half of the major credit card issuers still offer purchase...
The best First Progress Platinum Select card benefits are zero liability protection and monthly credit bureau reporting. These perks are certainly good to have, though it's important to note that they are also relatively common benefits for credit cards.
It is not very hard to get the First Progress Platinum Select Mastercard® Secured Credit Card because it is available to people with bad credit. The First Progress Platinum Select card is actually a relatively easy credit card for the average person to get.
First Progress Platinum Select card does not have a sign-up bonus or any ongoing rewards. The main benefits of having the First Progress Platinum Select card are that it does not do a credit check for approval and it reports account information to the 3 major credit bureaus each month.
You can report a lost First Progress Platinum Select card by calling First Progress customer service at 1 (866) 706-5543. First Progress will request some security information in order to verify your identity before sending a replacement.
How to Report a Lost First Progress Platinum Select Credit Card
You cannot get a First Progress Platinum Select virtual credit card number through First Progress. You can get a virtual card number for a First Progress Platinum Select through Click to Pay instead, though.
To enroll in Click to Pay with a First Progress Platinum Select, just click...
Share your insights and review the First Progress Platinum Select Mastercard® Secured Credit Card
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3,705 reviews
3,705 reviews
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Hana Roblee @hanar
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5 Star Rating
I used the First Progress Platinum Select MasterCard when my wife and I got behind on our bills and had some bad credit. We couldn’t qualify for many cards and this one allowed us to both qualify and regain our composure to get caught back up. There is no credit history approval check and that was huge for us because that is what was keeping us held back from getting any other cards. I can honestly say this card played a major role in getting us back on our feet and I don’t know what we would of done without it. It’s been a few years since this experience and we are now doing fantastic… and I owe it to this card.
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Robin Snyder @robinsnyder56
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1 Star Rating
I tried to apply for this card online. First, it would not let me apply, because it considered that my birth year of 1956 meant I was not 18 yet. after fooling it by typing 1856 then changing the 8 to a 9, it advanced to the next step. Then...although my income is 600 dollars more than my expenses...it said it could not complete the application because my income is not 100 dollars more that expenses and that I did not have enough money to pay the fee. I am finished with this...frustrating...and shows what problems I can expect in the future. Terrible...
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Lenny Corman @LenCor1
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5 Star Rating
This card is one I would recommend to those attempting to either fix a damaged credit score or to simply build one in the first place. I'd heard of people having problems getting accepted in the first place for the card but I had no such issues and was approved very quickly. By paying off the statements as quickly as possible it did indeed help in it's own small way to build up my credit score to the point I could apply for a "proper" credit card later but this sort of card most certainly serves a purpose and is a good place to start if you're towards the bottom of the financial ladder.
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Bob Regin @bob.regin.5
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4 Star Rating
When I was first trying to improve my credit after a bad divorce and bankruptcy, I turned to using a secured credit card, specifically the First Progress MasterCard. Though I did not want to have to do it that way, it was the only option I had. I didn't really like the annual fee but compared to some of the other secured cards out there it didn't seem that bad. And, most importantly, I only had to use it for a short time until I was able to get my credit score just barely into the range where getting a credit card was possible. Overall, the process of depositing money and applying for the card was easy. I have no complaints at all.
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Loriann Iser @lorianni
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4 Star Rating
I got this card about two years ago after a very messy divorce. My credit was destroyed because my ex had maxed out two credit cards and took out another three credit card and maxed them out before our divorce was finalized. Well, I paid off the two, but did not know about the other three until they were 6 months past due. I was surprised that the First Progress Platinum Select MasterCard Secured Credit Card even accepted me and was even more surprised that a secured card reported to the three main credit companies. I did not know that was even possible. I used the card for a year and watched my credit score grow slowly. About two months ago I was able to actually get an unsecured credit card because of the improvement in my credit scores!
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Lauralee Mori @lauraleem
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3 Star Rating
The First Progress Platinum Select MasterCard was the first card that I acquired when I began to build my credit in college. This was shortly after the recession and credit crunch, and I was being rejected by other banks and cards when I attempted to apply for them because I had no previous credit history and banks were being much less forgiving when offering people cards. It served me very well, I used it over the course of a year, making small purchases with it and then paying it off. They reported my on time payments and my credit history slowly increased. I eventually began to receive other credit card offers through the mail unsolicited and realized that I could get a real credit card, without needing to use a secured card. I subsequently got rid of this card, and have moved onto "real" cards, but it will still always have a warm place in my heart.
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Delsie Pair @delsiep
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4 Star Rating
The First Progress Platinum Select Card is a decent card when first starting to rebuild your credit as well as if you're a person just starting to establish credit. I didn't expect to get any rewards or anything on this card as it's intention was solely for the purpose of rebuilding and nothing more. It has the benefit of reporting to the three major credit bureaus and will seriously help increase your score. I appreciate that the minimum deposit was only $300 as that was simpe enough to come up with. It is a little higher than most other secured cards, but I figured it's a worthy investment. I was a little disappointed at the annual fee they charge. I mean, I'm already trying to rebuild as it is...but I consider it a fee that I am paying for the service of rebuilding my credit score and in the end, it'll be well worth it.
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Michael Johnson @michael.j.johnson.395
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5 Star Rating
I got this card because I wanted to build my credit up a bit so I could possibly start thinking about buying a home for my family. With First Progress Platinum Select MasterCard Secured Credit Card you deposit money into your account and then can spend off of it like a credit card but it is your own money anyways. They report to the 3 major credit check companies so your credit score will increase as you go though the process month to month. This is definitely a great way to increase your credit score! I recommend First Progress Platinum Select MasterCard Secured Credit Card for anyone who needs to raise their score, either from bad credit or no credit!
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Jay Bates @jay.bates.3532
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5 Star Rating
This was one of the first secured credit cards I got in order to help me get my credit rating back to a decent standing. I never had any problems using the card or getting help from a customer service agent when I had a question or problem arise. If you have little to no credit or bad credit for whatever reason, you should definitely check this card out. You do have an annual fee, but it is pretty small and worth it to have a credit card to use when you do not have the cash to buy the stuff you need now. Also, paying the annual fee was fine for me as there was no monthly fee, so it all evens out in the long run. Great card and I would highly recommend it if you are having problems with your credit rating.
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Sin LnStyle @sin.lnstyle
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4 Star Rating
Secured credit card is the easiest way to salvage your credit score quickly and at very low cost. Few months of one of these and your points steadily rise if you do everything right. Every point can get you into a "real" credit card sooner then later. Great card , haven't had any issues at all with it. I didn't have bad credit I am the opposite end of the spectrum, I don't have any. With the help of this secured card and another I have built up enough credit history to hopefully get into a real credit card. Never an issue and works everywhere.
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Review First Progress Platinum Select Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card
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