First Progress Platinum Elite Mastercard® Secured Credit Card


For People with
Bad Credit

REVIEWS

Reviews

The First Progress Platinum Elite Mastercard® Secured Credit Card could be a good option for anyone with no credit history or some major credit history blemishes, who wants to start building credit .

This is a secured credit card, so your credit line will be based on a refundable security deposit you’ll need to make after applying (of $200–2,000).

The card reports to all three credit bureaus every month to help you establish or re-establish a good credit history, and has a $29 annual fee.

Card Quick Facts

Card Quick Facts

  • 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
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • 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 though not yet available in NY, IA, AR, or WI *See Card Terms.

For People with
Bad Credit

REVIEWS

Reviews

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $29
Additional Cards Annual Fee -
Regular Purchase APR 20.74% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology None
Minimum Credit Limit $200
Maximum Credit Limit $2,000
Free Credit Score No
Penalty APR None
Late Fee See Terms
Returned Payment Fee See Terms
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR -
Balance Transfer Fee See Terms
Cash Advances

Cash Advances

Cash Advance APR 25.74% Variable
Cash Advance Fee Either $10.00 or 3% of the amount of each Cash Advance, whichever is greater

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • No Minimum Credit Score

    You don’t need a particular credit score, or even a credit history, to apply for these cards.

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

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Average rating:  
 4 reviews
by Shamitria

The worst customer service ever. The representatives are rude with poor customer service experience. Do not waste your time with them. I’m gonna cancel this card now

by Jailene
Horrible

This is the worst! They make it extremely hard to make your payment. They do not have online bill pay! They want you to use your banks bill payment system but after the first sent payment they will no longer allow you to use it and you will have to mail in a check. If you try to call to make a payment you have to wait to talk with their rude customer service department and they charge you 10$ to make a payment. Do not get this card it’s nothing but a hassle!

by Robert
The Worst Credit Company EVER!

You cannot pay your bill via their website. You cannot contact them via email. The section that lists "recent activity' does NOT list ANY activity. It only lists activity in your statement once a statement is issued. So you can have a card with a high balance and you cannot look online at what your charges may be. Customer service was like dealing with an idiot who had no etiquette or customer service expertise. DO NOT GET THIS CARD!

by TSimpkins
This is the worst card- REGRET GETTING INTO THIS MESS

ZERO RATING: It took me over a month and a half to finally receive my card (10 Aug. email stating my card was being sent- and I received this card on 21Sept. 2018) & when I did - I also had a bill stating that I would be charged a late fee - huh?? I called Customer Service only to be treated like they're doing me a favor for taking off the fee instead of seeing the flaw... Bottom line: the math doesn't add up... I made a $200.00 deposit, get charge$78.00 and Per Greg my card is declined because I needed to make a $49.00 payment... How is that? I just got this card and it's a nightmare... I wish I heeded to the reviews...this company disappoints....

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