First Progress Platinum Elite Mastercard Secured: Responsible Credit Building

The First Progress Platinum Elite Mastercard Secured Credit Card is your reliable partner for reaching new financial milestones.

The First Progress Platinum Elite Mastercard Secured Credit Card is designed for individuals seeking to establish or rebuild credit with confidence. Whether you have limited credit history or are working to recover from past financial missteps, this card offers a secure path forward. With nationwide acceptance, reasonable terms, and reporting to all three major credit bureaus, it’s a practical tool to take control of your financial journey.

Earn Confidence Through Credit

Although the First Progress Platinum Elite Mastercard doesn’t offer a traditional rewards program like cashback or points, its true value lies in the opportunity it provides to improve your credit profile. As you make on-time payments and maintain responsible use, your consistent activity will be reported to Equifax, Experian, and TransUnion—potentially helping boost your credit score over time.

Save While You Build

The card offers a competitive variable APR of 25.24% on purchases (as of the latest terms), and there is no minimum credit score requirement to apply. While there is a modest annual fee of $29, there are no hidden charges or application fees. Unlike many secured cards, you can choose your credit line amount—starting from as low as $200—based on the security deposit you provide. This flexibility gives you control over your financial commitment.

Compared to unsecured cards for poor credit that may charge high fees or offer no path to upgrade, the First Progress Platinum Elite stands out with its affordability and transparency.

Tools That Help You Succeed

The First Progress Platinum Elite Mastercard comes with a suite of financial tools and features to help you manage your money wisely:

• Free Monthly Credit Reporting: Stay updated on your progress with access to your payment history reported to all three major bureaus.
• Flexible Deposit Options: Choose the deposit amount that works for your budget to set your credit limit.
• Digital Account Management: Access your account online 24/7 to view statements, make payments, and monitor spending.
• No Credit History Required: Get approved even if you’re just starting out on your credit journey.

Simplified Technology & Everyday Convenience

Managing your First Progress card is easy with its mobile-friendly platform. Although it doesn’t include an app like some competitors, the online portal is optimized for mobile use, allowing you to:

• Review transactions in real time
• Set up autopay to avoid late fees
• Receive email and text alerts for account activity

While tap-to-pay and digital wallet integrations like Apple Pay® or Google Pay™ are not currently supported, the core tools needed for simple, secure usage are all in place.

Security Features You Can Count On

Your financial protection is a top priority. The First Progress Platinum Elite Mastercard includes:

• Zero Fraud Liability: You won’t be held responsible for unauthorized charges.
• Chip Technology: Adds a layer of security to in-person transactions.
• Secure Online Access: Your online portal is encrypted and monitored for suspicious activity.

Know the Terms Before You Apply

Transparency is key with the First Progress Platinum Elite Mastercard. Here’s a quick summary of the essential terms:

• Annual Fee: $29
• APR: 25.24% variable on purchases
• Security Deposit: $200 minimum, refundable upon account closure in good standing
• Foreign Transaction Fee: 3%
• Late Payment Fee: Up to $41

🔍 Tip: Always pay your balance in full and on time to avoid interest charges and support your credit-building goals.

Who Can Apply?

You may be eligible for the First Progress Platinum Elite Mastercard if you:

• Are at least 18 years old (19 in AL or NE)
• Have a valid Social Security number
• Have a checking account to fund the refundable deposit
• Are a U.S. resident
• Are not currently in bankruptcy

No credit history or minimum credit score is required, making it accessible to many applicants.

How to Apply

Applying for the First Progress Platinum Elite Mastercard is simple and secure:

1. Visit the First Progress application page.
2. Choose the amount you’d like to place as your refundable security deposit (minimum $200).
3. Fill out your personal and financial details.
4. Submit your application and wait for approval.

Most applicants receive a decision within minutes, and your card will be mailed shortly after your deposit clears.