First Progress Platinum Select Review

Get a real Mastercard with low setup costs and credit bureau reporting—no credit score required.

The First Progress Platinum Select Secured Credit Card is built for those who need a second chance or a strong start. It’s a reliable tool for individuals who want to rebuild or establish credit with structure and predictability. No credit history or score is needed to apply, and approval is accessible—even for those recovering from financial setbacks.

With a refundable security deposit, fixed interest rates, and credit bureau reporting, the card provides a solid foundation for better financial habits. It works like a regular credit card but keeps you in control of your spending with a preset credit limit based on your deposit.

Credit Progress Starts Here – First Progress Platinum Select

1. No Credit History Required

Applicants don’t need a credit score or prior credit experience to apply. This makes the card perfect for first-time borrowers or those rebuilding after bankruptcy. By skipping the credit check, First Progress gives more people a chance to start again.

2. Fixed APR for Purchases

This version features a fixed interest rate, which stays consistent over time. This offers predictability for anyone who occasionally carries a balance. You’ll always know what interest to expect, making budgeting easier and more transparent.

3. Refundable Security Deposit

Your deposit becomes your credit limit—ranging from $200 to $2,000. When your account is closed in good standing, you get the full amount back. This gives you control over your spending and builds trust with the issuer.

4. Reports to All Three Credit Bureaus

Your payment history and usage are reported to Equifax, Experian, and TransUnion. With consistent on-time payments, you can gradually build or rebuild your credit profile. It’s a simple way to begin proving your reliability to lenders.

5. Accepted Anywhere Mastercard Is

Use your card at millions of locations across the U.S. and internationally. Whether it’s groceries, subscriptions, or bills—you’re covered. This makes the card just as useful as any traditional unsecured credit card.

6. No Minimum Credit Score

There’s no required credit score, making this card inclusive and accessible to more applicants, including those with damaged or nonexistent credit. It removes one of the biggest hurdles in the credit approval process.

7. Flexible Credit Limits

The amount you deposit determines your limit, and you can increase it over time by adding to your deposit. This feature gives you the freedom to grow at your own pace while improving your utilization ratio.

8. Easy Online Management

Track spending, check balances, and pay your bill anytime with secure online account access. All account tools are designed to support convenience and financial control.

9. Trusted Issuer Backing

The card is issued by Synovus Bank, a reputable institution, giving you peace of mind while you build credit. Their secure platform and experienced service make the card a dependable choice.

Qualification Requirements

• Must Be a U.S. Resident: Only U.S. citizens and permanent residents with a valid Social Security number or ITIN can apply.
  
• 18 Years or Older: Applicants must be the legal age of majority in their state.
  
• Valid Checking Account: You must have an active U.S. checking or savings account to fund the deposit.
  
• Ability to Pay a Security Deposit: A minimum of $200 is required to open the account. This deposit becomes your credit line.
  
• No Active Bankruptcies: Applicants should not have recent or open bankruptcies on file.
  
• Accurate Identity Verification: You must provide personal details for identity confirmation, including address and income information.
  

How to Apply for the First Progress Platinum Select

• Visit the Official Website: Go to the First Progress site and locate the Platinum Select application page.
  
• Submit Your Information: Enter your name, contact info, and employment details securely online.
  
• Choose Your Deposit Amount: Select a deposit between $200 and $2,000 based on your desired credit limit.
  
• Link Your Bank Account: Fund the deposit using your checking account or debit card.
  
• Confirm Identity: Submit ID documents if requested for identity verification.
  
• Accept the Terms and Complete: Review your agreement, accept the terms, and finalize your application.
  

Frequently Asked Questions

1. Can I apply if I have no credit history?
Yes. First Progress does not require a credit history or score, making it accessible for beginners or rebuilders.

2. Is the security deposit refundable?
Yes. Your full deposit is returned when the account is closed with no balance remaining.

3. Will my activity be reported to credit bureaus?
Absolutely. Your usage and payments are reported monthly to all three major credit bureaus.

4. Can I increase my credit limit later?
Yes. You can raise your limit by submitting a higher deposit, subject to approval.