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First Progress Platinum Select Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card
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Sponsored Card
APR3,698Reviews83Q&AContact
APREditor 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 Fees$39
Monthly Fee$0
APR on Purchases
14.24% (V)
Editor's Take
by John Kiernan
April 13th, 2022
First Progress Platinum Select Pros & Cons
Qualify with limited or no credit history
Membership fees
No rewards
No rewards bonus
Foreign fee
First Progress Platinum Select's Additional Info
| cash advance fee | 3% (min $10) |
| cash advance APR | 20.24% (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.
Questions & Answers
Don't see what you're 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.
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What is my balance?
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How much is the First Progress Platinum Select starting credit limit?
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Jason Miles
The First Progress Platinum Select starting credit limit is the amount of your security deposit, which is $200 or more. This is a secured credit card and requires a refundable security deposit to open it.
However, the First Progress Platinum Select credit limit that you start with isn%t necessarily your... show more
Avoid at all costs. I filled out the application and within one hour, First Progress deducted the funds for the deposit. I received an email about one week later stating that my money would be refunded by check as my application was denied. I am still waiting for a refund that should have never been removed from my account in the first place. When I call, they will say nothing more than to expect a letter. I wouldn't trust this organization in the least. They should have approved me prior to removing funds for a security deposit on an account that they now have no intention of opening. I can't see anything good coming from doing business with them based on my experience. I'm not upset they declined me rather I am upset that they removed the deposit prior to approval.
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Mark Ruffin
how much did you put down? i just filled out an app last week.
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How can I freeze my First Progress Platinum Select Card?
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Chip Lupo
You cannot freeze your First Progress Platinum Select. If your First Progress Platinum Select Card is lost or stolen, you'll need to call First Progress credit card customer service at 1 (866) 706-5543 as soon as possible, so they can cancel the card and send you a new one.
... show moreHow can I log in to my First Progress Platinum Select card account online?
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Chip Lupo
To log in to your First Progress Platinum Select Mastercard® Secured Credit Card card account, go to the login page on the First Progress website or mobile app and enter your username and password in the appropriate fields. Then, click the "Log In" to access your online account. If you... show more
Does the First Progress Platinum Select Card have a late fee?
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Chip Lupo
Yes, the First Progress Platinum Select Mastercard® Secured Credit Card does have a late fee of up to $41, which applies when cardholders don't make the minimum payment by the due date. The late fee for the First Progress Platinum Select Card can never exceed the minimum payment amount,... show more
What is First Progress Platinum Select balance transfer fee?
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Chip Lupo
The First Progress Platinum Select Card does not have a balance transfer fee. The reason the First Progress Platinum Select Card has no transfer fee is that it does not allow balance transfers at all, and that means you'll need to look for another credit card to help reduce the... show more
How can I get a First Progress Platinum Select cash advance?
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Chip Lupo
To get a First Progress Platinum Select cash advance:
- Call First Progress customer service at 1 (866) 706-5543 and request a PIN, if you don't already have one.
- Insert the credit card at an ATM and enter the PIN.
- Select the cash advance option on... show more
Does the First Progress Platinum Select Card have a grace period?
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Chip Lupo
Yes, the First Progress Platinum Select Card has a grace period of at least 25 days, lasting from the end of each billing cycle until the payment due date. If cardholders pay their First Progress Platinum Select Card statement balance in full every month, First Progress will not charge any... show more
Compare The First Progress Platinum Select
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 APR23.24% (V)
Regular APR26.99% (V)
Rewards RateNone
Rewards RateNone
Rewards RateNone
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First Progress Platinum Select Reviews
Share your insights and review the First Progress Platinum Select Mastercard® Secured Credit Card
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3,698 reviews
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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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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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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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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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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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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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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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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.
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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4 Star Rating
I got this card for my teenage son to use. I figured this would be the safest way for him to have access to an account for emergency purposes, and unlike my stepson did with his debit card, he can't exceed the limit of the prepaid amount. I was a bit concerned about the fee, but after figuring my stepson had more than $450 in overdraft fees in ONE year, it seemed very reasonable. It was really easy to get the card, and because they do report to the big 3 credit reporting agencies, he is already building some credit, which is VERY hard for a teenager to do nowadays. I do wish there was a way to login to the account online, which would help both of us to track his expenses, but so far that has not been a problem. We've been pretty pleased with it to date.
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4 Star Rating
I got my first credit card in college and found out the consequences of mismanaging my finances. I was not getting the ability to be accepted for other cards, and so I needed to get a secured credit card. This card has a pretty low minimum deposit and a reasonable annual fee. Obviously, there are not going to be any rewards associated with this card, but the reason you get a card like this is to rebuild credit, plain and simple. They report to credit agencies every month to help rebuild your credit as fast as possible. I would suggest this card to anybody needing to rebuild their credit.
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Offer last updated: Apr 13th, 2022 at 00:37 ET