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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Regular APRAnnual FeeCredit Needed
15.24% (Variable)$49Poor/Limited/No Credit

Offer Details

Acceptance Criteria
Credit Needed
Poor/Limited/No Credit
APR Overview
Intro Balance Transfer APR
N/A
Intro Purchase APR
N/A
Regular APR
15.24% (Variable)
Fees And Charges
Balance Transfer Fee
N/A
Annual Fee
$49
Rewards
Reward Type
cash back

12 Product Reviews

Natasha
Don't bother
1 week ago

This company had no means to make an electronic payment so I had my bank initiate the payments through bill pay. A day before a holiday I initiated a payment -- money immediately left my account. First progress held the payment and on the 6th day, posted it to my account along with a $41 late fee. Horrible people. Horrible customer service. Card was good but this was unacceptable. I canceled the card immediately. If you're going to report me as having a late payment - what's the point!

Sarah
Terrible
5 months ago

my credit score went way down and its so slow to take payments. plus the customer service was awful

Maggie
Don’t bother
2 years ago

Payments are only 2 ways 1) bill pay through your bank or 2) mail in check .. both are slow to process, potentially making you a late payment. Also any correspondence must be done through snail mail. There is no other way to contact customer service

adam Salter
great first card
2 years ago

this card is awesome for a first card i now have 6 cards and i still use this one because it has a 9.99 apr lower than my cap1 and added 58 points right when it hit my report $49 yearly fee is definitely worth it.

adam s
awesome card
2 years ago

i just starred building and being very conscientious about my credit score befire this card even arrived at my home it made my credit jump about 34 points and low apr, ill eat that yearly fee all day.

adam
very helpful
2 years ago

just starting to build my credit my credit went up 34 points before i even received the card! i was at a 549 now im at a 676 in 2 months after a ciuple other moves. great starter card. i out $600 as my down payment.

Danielle
Worst EVER
2 years ago

If trying to rebuild your credit, move on. This company is a joke. The only way you can pay your bill is through bank transfer (which for some reason takes 14 days with this company) or be a dinosaur and mail a check. It’s incredibly inconvenient. No pay by phone option or online pay through their website. Waste of time. Had it for two months and realized this was a company out to charge a bunch of late fees because it’s impossible to get it to them on time! Had to cancel. DID NOT HELP MY SCORE!

Mildred N
Good way to start
3 years ago

I got this card because my Credit score was low. After a year of having this card I applied for my first major credit card and was approved. This card is a good Starter a card.

Hope Lide
Great card
3 years ago

I’m so glad you help people get out of debt by building up their credit.

Catherine M.
Credit Card Prog is not in NY! ☹
4 years ago

Why isn't this credit card available in NY?☹

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.