First Progress does not have an unsecured credit card. It does offer four secured credit cards: The First Progress Mastercard, Platinum Select MasterCard, Platinum Elite MasterCard, and Platinum Prestige MasterCard. First Progress markets its credit cards for people looking to establish or rebuild credit.
Secured credit cards, including the four First Progress cards, require a security deposit to open the account. Deposits usually start at $200, and some secured cards will allow you to deposit as much as $5,000 or more. The amount of the deposit determines your credit limit, and also serves as collateral for the issuer, should you default on the account. You'll get the deposit back when you close the account with no outstanding balance.
There are unsecured cards for people who want to repair their credit. Among them are the Indigo Mastercard, the First Access Visa, and the CreditOne Bank Platinum Visa. But unsecured cards for rebuilding credit cards are saddled with high interest rates and a host of fees including annual fees, processing fees, and one-time “set up fees.” That will take a sizeable chunk out of what will likely be a pretty low credit limit.
That makes secured credit cards the better deal for repairing less-than-good credit. You will have to front your own money to open the account, but it's money you'll get back if you use the card responsibly. If you establish a history of timely payments, you may receive a credit limit increase or be eligible to transition to an unsecured credit card with better terms.
Some secured cards do charge annual fees. All the First Progress credit cards charge an annual fee starting at $29 (Platinum elite); $39 (First Progress Mastercard and Platinum Select); and $49 (Platinum Prestige). Good secured cards that do not charge an annual fee include the Discover it, Capital One Platinum, and Citi secured cards.