FAQ
Just click here to apply - it's easy and most applicants know if they are approved within minutes.
The Annual Percentage Rate is the interest rate you pay for the whole year v. the monthly rate. To review the Annual Percentage rate for First Progress, view Important Disclosures.
You can deposit between $200 and $2,000. Your security deposit will determine your credit limit.
Yes! Your deposit is fully refundable when you close your secured card account in good standing. You must pay the card off in full and you'll receive your deposit back.
Usually, there is a decision within minutes, and you will get an acceptance message on our website. Sometimes, we'll need some more information from you. Don't worry - we'll send you an email or a pending application letter with directions on how to move forward.
We offer an optional Expedited Processing Service for $19.95. With the Expedited Processing Service your secured credit card will be processed up to 7 days faster and is only available if you use a debit or prepaid card to fund your security deposit. The $19.95 will be applied to your debit or prepaid card account along with the security deposit amount selected to fund your secured credit card.
As this is a secured credit card, you may qualify for a First Progress Secured Credit Card with no minimum score.
First Progress reports to the three major US credit bureaus: Equifax, Experian, and TransUnion.
Anywhere Mastercard® cards are accepted! First Progress is a real Mastercard credit card, which means it's accepted at millions of stores in the U.S., around the world and online.
You can contact our customer service line at (866) 706-5543.
A request form is available at https://www.transunion.com/get-credit-report
The First Progress Card Secured Mastercard® is issued by Pinnacle Bank, a Tennessee bank, dba Synovus Bank, Member FDIC. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. Obtaining Your Card: The USA PATRIOT Act is a federal law that requires all financial institutions to obtain, verify and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, address, date of birth and other information that will allow us to reasonably identify you. We may also ask to see your driver's license or other identifying documents at any time.
1Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
*We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.