First Progress Platinum Elite Secured Mastercard Review

The Elite Secured Mastercard by First Progress offers a dependable and straightforward way to boost your credit profile while giving you access to helpful tools.

This card isn’t just for transactions — it’s a practical solution for building a positive credit history while benefiting from modern financial conveniences. Whether you’re just getting started or recovering from past missteps, this secured option gives you structure and flexibility to move forward.

Take control with a secured card that combines ease, access, and the confidence to grow responsibly.

Key Advantages of the First Progress Elite Secured Card

• Start or Rebuild Your Credit: Perfect for those looking to establish or restore credit. Responsible use and consistent payments help demonstrate your reliability to lenders and shape your financial foundation.
• Widely Accepted Worldwide: As a Mastercard, it’s accepted almost everywhere — from online stores to restaurants to everyday purchases.
• No Credit Score Required to Apply: Your past credit won’t block you from applying. There’s no need for a minimum score, making this card a good starting point for new or recovering credit users.
• Reports to All Three Bureaus: Your account activity is shared with Experian, Equifax, and TransUnion, supporting consistent improvement in your credit score.
• Deposit Determines Your Limit: Choose your security deposit amount — starting at just $200 — and your credit line will match. This allows you to manage your spending based on what works best for your budget.
• Built-In Security Features: Enjoy peace of mind with protections such as fraud monitoring and safe online access.
• Low Annual Fee: Gain access to credit-building power without a high annual cost. The Elite version remains an affordable way to get started.
• Online Management Tools: Access your account 24/7 to check transactions, monitor spending, and make payments easily from your phone or computer.
• No Credit Inquiry During Application: Applying won’t impact your credit score. You can move forward with confidence, knowing your application won’t result in a hard pull.

Are You Eligible?

To apply for the First Progress Elite Secured Mastercard, you must:

• Be at least 18 years of age
• Have valid U.S. identification
• Provide a refundable deposit (which becomes your credit line)
• Be a U.S. resident with a valid Social Security Number

It’s designed for individuals who want an easy way to begin or restore their credit with a secure financial tool.

How to Get Started

1. Check the Requirements: Confirm you meet the age and residency criteria.
2. Gather Your Information: Have your ID and financial details ready.
3. Complete the Application: Apply online or submit a paper form if preferred.
4. Send the Deposit: Fund your account with the required refundable deposit.
5. Receive Your Card: Once approved, your card will be delivered and ready to use.

Common Questions About the Elite Secured Mastercard

What makes this card “secured”?
It requires a cash deposit upfront, which sets your credit limit. This model helps lenders reduce risk while giving you a way to build credit.

How is my limit determined?
The amount you deposit — starting at $200 — becomes your available credit line.

Is the card usable abroad?
Yes. The card works anywhere Mastercard is accepted, including internationally.

How do I manage my account?
You can log in online at any time to track your spending, see statements, or make payments easily and securely.