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First Progress Platinum Prestige Mastercard® Secured Credit Card review: A low-interest, credit-building option

This card’s low APR and slightly forgiving terms make it a solid choice for building credit — just watch out for the annual fee.

 /  11 min
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Snapshot

2.8

Bankrate rating
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Rating: 2.8 stars out of 5

Bottom line

The First Progress Platinum Prestige is a secured credit card that gets the job done when it comes to building credit. Its lower than average ongoing APR is one of the card’s best features, and it even offers a modest rewards incentive for keeping up with payments. Just keep in mind that the card requires a security deposit and has an annual fee, which could chip away at its affordability.

Best for low interest

No Credit History
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on First Progress's secure site

Regular APR

14.74% (Variable)

Annual fee

$49

2.8
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Bankrate Score

Cost of membership

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2.0 / 5

Ease of building credit

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4.0 / 5

APR

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5.0 / 5

Features

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2.5 / 5

Why you'll like this: Your security deposit determines your credit limit, allowing you to establish credit and potentially receive lower interest rates than with many unsecured cards.

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First Progress Platinum Prestige Mastercard® Secured Credit Card Overview

The First Progress Platinum Prestige Mastercard Secured Credit Card is a secured credit card designed for people with no credit history or poor credit who are trying to get their credit score back on track. The card charges an annual fee of $49, and you aren’t required to meet a minimum credit score for approval.

The primary differences between the three similarly named First Progress secured cards — including the First Progress Platinum Select Mastercard Secured Credit Card and First Progress Platinum Elite Mastercard® Secured Credit Card — are their annual fees and lower ongoing interest rates. The First Progress Platinum Prestige has the highest annual fee, but a 14.74% (Variable) APR in exchange, which is far below the current average interest rate, even for cardholders with excellent credit.

Ultimately, First Progress’ Platinum Prestige card is only worth considering if you’re rebuilding credit and don’t qualify for a no-annual-fee secured card. 

  • Credit Card Cash Back Icon

    Rewards

    • 1 percent cash back when you make a credit card payment

    Expert Appraisal: Good
    See our expert analysis

  • Credit Card Search Icon

    Rates and fees

    • Regular APR: 14.74% (Variable) APR
    • $49 annual fee
    • $200 minimum security deposit
    • $29 late payment fee ($40 if you’re late again in the following six billing cycles)
    • 3 percent foreign transaction fee

    Expert Appraisal: Typical
    See our expert analysis

  • Credit Fair Icon

    Credit-building features

    • Soft pull inquiry
    • Reports to 3 major credit bureaus
    • Manageable monthly payments

    Expert Appraisal: Typical
    See our expert analysis

  • Congrats Icon

    Other cardholder perks

    • Redeem rewards for statement credits

    Expert Appraisal: Weak
    See our expert analysis

First Progress Platinum Prestige pros and cons

Pros

  • Checkmark Icon

    The card’s APR is much lower than even many full-fledged credit cards’ rates.

  • Checkmark Icon

    An initial deposit of between $200 and $2,000 gives you room to choose your credit limit and keep credit utilization low.

  • Checkmark Icon

    The late payment fee of up to $29 (then up to $40 if you’re late again within six billing cycles) is pretty forgiving and not common on many secured cards.

Cons

  • The $49 annual fee coupled with an initial minimum security deposit of $200 lowers this card’s affordability compared to some competing secured cards.

  • This card has no intro APR offers on purchases or balance transfers, so you won’t get a break on interest if you end up carrying a balance.

  • The card’s redemption options for rewards are limited.

Why you might want the First Progress Platinum Prestige

As far as cards for no credit history or bad credit go, the First Progress Platinum Prestige Mastercard is notable for its incredibly low ongoing APR and fast approval process with no hard credit pull.

Rewards rate: Every bit counts

The First Progress Platinum Prestige earns 1 percent cash back on payments you make toward your credit card balance. This kind of reward structure is ideal for a credit-building card since it ties your earnings to establishing good credit habits like paying your bills on time. It also gives those who are new to rewards an easy way to get used to earning and redeeming them, which will come in handy for higher-tier cards.

APR: Much lower than an average secured card

 The card’s rock-bottom 14.74% (Variable) APR is about half the typical interest rate for someone with limited credit. By comparison, the Capital One Platinum Secured Credit Card has no annual fee, but it has an APR of 29.99% (Variable) (See Rates & Fees). While you should avoid carrying a balance with a credit card — particularly if you’re building credit — the low APR should help keep any interest charges low. 

Credit Building: Standard but essential features

The First Progress Platinum Prestige has a few key credit-building features that can help raise your credit score.

You can apply for the First Progress Platinum Prestige online with a soft pull on your credit, so there will be no negative impact on your credit score. First Progress also reports to all three major credit bureaus (Experian, Equifax and TransUnion) each month, so you’ll be able to improve your credit standing provided you use your card responsibly.

Why you might want a different secured card

Despite its solid credit-building perks and great interest rate, the First Progress Platinum Prestige secured card comes with its fair share of drawbacks. With its potentially low credit limit and myriad fees, this card can cost more than it’s worth.

Credit limit: The limit is quite low

Like most secured cards, your initial security deposit on the card becomes your credit limit. With the First Progress Platinum Prestige, this amount can be anywhere from $200 to $2,000. Keeping a low credit utilization ratio helps improve your credit score, but keeping a low ratio is more challenging with a lower credit limit. The general guideline is to keep this ratio under 30 percent, but the minimum $200 credit limit means you’ll need to keep your balance below a mere $60.

This detail is important since the annual fee will eat into your credit limit when you first open your account and when it’s charged each year. If you start with the minimum $200 credit limit, you’ll actually have just $151 available on your card in your first billing cycle, with very little spending power before you reach above 30 percent on your credit utilization ratio.

Rates and fees: A few caveats to keep in mind

If you’re interested in the First Progress Platinum Prestige’s low APR because you’ll carry a balance from time to time, you should be aware of the card’s other fees. The annual fee is $49, which is expensive compared to other cards of its caliber and generally a negative to have on a credit building card unless you have few other options. The card also charges up to $30 for your first late payment, then up to $41 if you’re late again in the following six billing cycles. This factor adds a layer of grace not typically seen among secured credit cards, but these fees can still add up quickly if you fall behind on payments. 

Finally, if you can’t pay your bill online or you’re worried your payment will be posted too late, you can make an expedited telephone payment in exchange for a $10 fee. There is also a $1 fee if you ever need a copy of a billing statement over six months old.

Redemption: Limited options for rewards and low earning rate

You can only redeem the rewards you earn with the First Progress Platinum Prestige as a statement credit. Once you’ve earned a minimum of 500 rewards points or $5 worth of earnings, you’ll be able to redeem your points for a statement credit toward your card balance. Since you only earn 1 percent cash back on purchases and the card carries an annual fee, it will take some time before your spending pays off.

How the First Progress Platinum Prestige compares to other secured credit cards

The Platinum Prestige is a more practical and possibly easier to obtain way to build credit with a card compared to other options like store credit cards. But its steep $49 annual fee is also noteworthy when other secured credit cards offer more effective features for no yearly cost.

Image of First Progress Platinum Prestige Mastercard® Secured Credit Card
Bankrate Score
Apply now Lock Icon
on First Progress's secure site

Annual fee

$49

Intro offer

N/A

Rewards rate

1% Cash Back Rewards
Info Icon

Recommended Credit Score

No Credit History
Info Icon
Image of Capital One Platinum Secured Credit Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Capital One's secure site

Annual fee

$0

Intro offer

N/A

Rewards rate

N/A

Recommended Credit Score

No Credit History
Info Icon
Image of Discover it® Secured Credit Card
Bankrate Score
See Rates & Fees , Terms Apply
Apply now Lock Icon
on Discover's secure site

Annual fee

$0

Intro offer

Cashback Match™
Info Icon

Rewards rate

1% - 2%
Info Icon

Recommended Credit Score

No Credit History
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Who is the First Progress Platinum Prestige right for?

The First Progress Platinum Prestige Mastercard is notable for its incredibly low ongoing APR and fast approval process with no hard credit pull. If one of the following sounds like you, the card might prove a good fit. 

Bankrate’s Take — Is the First Progress Platinum Prestige worth it?

The First Progress Platinum Prestige Mastercard Secured Credit Card could be a decent choice for building credit if you don’t qualify for a secured card that doesn’t carry an annual fee. But you can find secured cards from major issuers with lower upfront deposits, higher initial credit limits and more lucrative reward programs. Replace with "Ultimately, the First Progress Platinum Prestige card's perks don't offset enough of the annual fee compared to other popular secured credit cards. 

How we rated this card

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50+
cards rated
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500+
data points analyzed
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250+
fees tracked
Credit Card Reviews Icon
40+
perks evaluated

Our proprietary card rating system takes into account a mix of factors when scoring credit cards for students and people building credit, including each card’s cost, APR, credit-building tools and more.

We analyzed over 50 of the most popular cards designed for students and people with no credit history, bad credit or a fair credit score and scored each based on where its key features stood in relation to others in its category. 

Here are some of the key factors that gave this card its score: 

Frequently asked questions

What cardholders think

Image of First Progress Platinum Prestige Mastercard® Secured Credit Card

First Progress Platinum Prestige Mastercard® Secured Credit Card

4.1 Star Icon
49 ratings
Info Icon
Score breakdown
5 stars
51%
4 stars
27%
3 stars
12%
2 stars
4%
1 star
6%
Score by category
Overall 4.1 / 5
Extra perks 3.8 / 5
Privacy and security 4.1 / 5
Customer service 4.1 / 5
Online portal or mobile app 4.0 / 5

In May 2024, Bankrate collaborated with third-party SliceMR to survey 6160 cardholders nationwide. Bankrate and Slice MR collected, averaged and presented website analytics and cardholder responses to six questions on a 5-point scale. Responses are based on individual cardholder’s product details, and therefore cannot be verified for accuracy. User ratings are unedited and have not been reviewed or approved by credit card issuers, nor do these ratings reflect Bankrate’s own reviews of these cards.

Community Reviews

Explore First Progress Platinum Prestige Mastercard® Secured Credit Card reviews from certified cardholders.
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Anonymous Cardholder
May 31, 2024
If this card had an annual fee, do you feel it was worth it? What card features and benefits helped you offset the cost?
No I don't think it worth it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It’s very good
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I get rewards with my trip
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I got it for a vacation and it was great
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It has limits and you have to prepay money to open it. So I would not recommend it unless you are trying to build your credit.
Score by category
Extra perks 2 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
very recommended
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
I use it to make it to the next paycheck
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
great
Score by category
Extra perks 5 / 5
Online portal or mobile app 2 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes. For a genre of reasons.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The interest rate
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I like all the benefits that cone alone with my cards there great
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was recommended to me by a friend.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I received my points from cashback on purchased items at select stores
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I love everything about the card and all it’s perks that come with it
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
The reward program for this card is great!
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
My experience with them is awesome
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I get free stuff when I get a lot of stuff.
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Very good in your credit and making payments
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because as long as there is money i use
Score by category
Extra perks 3 / 5
Online portal or mobile app 2 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
No because I use the other one as my main card
Score by category
Extra perks 2 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this card because it user friendly
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
I think this card is more unique and easy also.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Platinum one helps the most .
Score by category
Extra perks 5 / 5
Online portal or mobile app 4 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Low credit requirements
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Credit sesame chose it for me.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
No, because it’s very frustrating to have a secure credit card unless you make a payment you can’t use it even if you make a double payment it’s very frustrating
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Because the have overdraft that will pay for purchases
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
When using this card it has got me out of a lot of bad situations and I needed something desperately.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because I save money when ordering oline.
Score by category
Extra perks 5 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I would recommend this to anybody that wanted the card because they gave me one and I have bad credit so why when they give anybody else one that has that credit and if this is a test then I should be able to pass it because I know what to tell you guys and what to give you guys and you guys need to know that credit is a big issue in today's world in society
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Yes because it’s very quick and easy to use
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Love the card because it the benefits
Score by category
Extra perks 5 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
this another card that ive gotten and it charged me alot in fees.everytime i used it. i remember i was at dorney park when i first gotten it. i went and spent about 200$ that day. then i was charged the next day for 130$ in fees. i said nope. im done. i keep ahold of these cards because if i close the accounts then my score drops.
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Is this card a part of your everyday life, why or why not?
Not so much my everyday life
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
Same thing that happens with every single card
Score by category
Extra perks 4 / 5
Online portal or mobile app 3 / 5
Customer service 5 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Easy approval yet credit increase process can be challenging
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes because they would help they’re customers
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 4 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I can’t really say what my experience was like he .
Score by category
Extra perks 2 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
To help build my credit
Score by category
Extra perks 3 / 5
Online portal or mobile app 3 / 5
Customer service 4 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was the easiest for me to get.
Score by category
Extra perks 4 / 5
Online portal or mobile app 5 / 5
Customer service 5 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
The card has better fees
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 2 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
My credit score
Score by category
Extra perks 4 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
It was my only option at the time
Score by category
Extra perks 2 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
Yes I agree so much
Score by category
Extra perks 4 / 5
Online portal or mobile app 2 / 5
Customer service 2 / 5
Privacy and security 5 / 5
Anonymous Cardholder
May 31, 2024
Tell us about an experience you had because of the benefits earned from the card
I’m very impressed
Score by category
Extra perks 3 / 5
Online portal or mobile app 4 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
What made you choose this card?
Needed a secure card at the time and was recommended
Score by category
Online portal or mobile app 5 / 5
Customer service 3 / 5
Privacy and security 4 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
It's not all that good
Score by category
Extra perks 1 / 5
Online portal or mobile app 3 / 5
Customer service 3 / 5
Privacy and security 3 / 5
Anonymous Cardholder
May 31, 2024
Why would you or would you not recommend this card to a friend?
I wouldn't recommend this card to a friend because they said they didn't receive the payments but the payments were never returned to my account.
Score by category
Extra perks 1 / 5
Online portal or mobile app 1 / 5
Customer service 1 / 5
Privacy and security 1 / 5
Written by
India Davis
Editor, Credit Cards
India Davis is an editor specializing in credit cards and updates. She believes in putting the reader first and carrying out a brand’s voice to its fullest potential. She has lived and worked in three different countries and hopes to explore more of the world post-pandemic.
Edited by Editor, Credit cards
Reviewed by Former Personal Finance Writer, Credit Cards

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.