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First Progress Platinum Select MasterCard® Secured Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card


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  • Regular Purchase APR 14.99%
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fees $39
  • Credit Needed


  • Card Brand MasterCard

Card Details


  • Click "APPLY NOW" to apply online
  • 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.

Card Fees

Late Payment Fees $38

Foreign Transaction Fee 3%

Balance Transfer Fee N/A

Cash Advance Fee 19.99%

Returned Payment Fee $27

Minimum Interest Charge $1.50

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Non-rewards card

Annual Fee $39

Grace Period 25 days

Additional Card Details

$0 Fraud Liability No

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

This card is great for rebuilding credit because it works as a full-feature MasterCard with a credit line based on your security deposit, not your credit score. This card was created with consumers who are building credit in mind. Credit card records will be reported to the major credit bureaus each month. Your minimum credit line starts at $200 and you can go as high as $2,000.

Some great perks to this card include automatic credit reporting, 24/7 online account access and no over limit fees apply. Some fees that come with this card include the annual fee of $39 and penalty fees for late and returned payments.

Applying is easy and applicants receive instant approval online, by phone or in person. Out of all the First Progress Platinum Secured cards offered, this one lies in the middle for the APR and annual fee.

Expert Reviews of the First Progress Platinum Select MasterCard® Secured Credit Card

  • 3.0

    Regular APR

  • 1.0

    Intro APR

  • 3.0


  • 3.0


  • star rating 3.0/5

    Overall Rating

The Bottom Line

The First Progress Platinum Select MasterCard® Secured Credit Card is an average secured card that can be used anywhere MasterCard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.

The Good

Card holders will enjoy a 25 day grace period before having to pay interest on purchases.

The Not so Good

If you spend frequently, it may take up to ten business days for a payment to post to your account, which is limiting in your available credit. This card also charges for foreign currency transaction fees.

Editorial Note: This content is not provided by First Progress. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by First Progress.

Consumer Reviews

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