First Progress Secured Credit Cards: A Smarter Way to Start or Rebuild Credit

First Progress gives you real credit-building power—with the structure, support, and flexibility to help you succeed.

Whether you’re just beginning your credit journey or working to recover from past financial challenges, the First Progress Secured Credit Cards are designed to help you move forward. With no credit history required and flexible deposit options, these cards offer a reliable way to establish positive credit habits from day one.

First Progress provides access to secured credit cards that report to all three major credit bureaus—Experian, Equifax, and TransUnion. Your responsible usage and on-time payments can help build or improve your credit score over time. Unlike unsecured cards, First Progress secured cards are backed by a refundable security deposit, making them accessible even for applicants with limited or damaged credit histories.

Outstanding Benefits of the First Progress Secured Credit Cards

1. No Credit History Needed

Approval is not based on your credit score. First Progress is open to applicants with no credit or a limited financial background, making it ideal for first-time cardholders and those rebuilding.

2. Monthly Reporting to All Major Bureaus

Your activity is reported to Equifax, Experian, and TransUnion every month. This allows you to build a verified payment history and boost your score through consistent use.

3. Earn Up to 1% Cash Back

Select First Progress cards include a cash back feature, allowing you to earn rewards on eligible purchases while still working on improving your credit.

4. Refundable Security Deposit

You choose your deposit amount, which becomes your credit limit. This deposit is fully refundable when you close your account in good standing.

5. Adjustable Credit Limit Based on Deposit

Deposit as little as $200 or as much as $2,000 (or more), depending on your financial comfort. Your credit limit is based entirely on your deposit, giving you full control.

6. Potential for Limit Increases

Over time, you may be eligible to increase your deposit and, in turn, your credit limit—allowing you to improve your credit utilization ratio and overall score.

7. Accepted Anywhere Mastercard is Used

As a Mastercard product, your card is accepted at millions of merchants worldwide, both online and in-store, for purchases, bill payments, and travel.

8. Full Online Account Management

Manage your account 24/7 with access to balances, due dates, transaction history, and more—giving you the tools to stay on top of your credit use.

Who Can Apply for a First Progress Secured Card?

You may be eligible if you meet the following criteria:

• Are at least 18 years of age
• Have a valid Social Security Number or ITIN
• Possess a verifiable U.S. residential address
• Are able to fund a minimum refundable security deposit
• Can provide basic identity and income verification

This card is well-suited for people with no credit, limited credit, or past credit difficulties who want to build or rebuild responsibly.

How to Apply for a First Progress Secured Credit Card

Follow these steps to get started:

1. Choose Your Card
   Select from several secured card options, including versions with low annual fees, cash back, or lower APRs—depending on your credit goals.
2. Complete the Pre-Qualification Form
   Fill out a quick application with your name, address, Social Security Number, income, and deposit preference. Only a soft credit inquiry is used at this stage.
3. Fund Your Security Deposit
   Choose your deposit amount—this becomes your initial credit limit. You can typically deposit between $200 and $2,000.
4. Review and Accept the Offer
   Once pre-qualified, review the card terms, fees, and rewards, then accept the offer to proceed.
5. Activate Your Card
   After approval and funding, your card will be mailed to you. Activate it online and start using it for daily purchases and credit-building.

Build Credit with Structure, Simplicity, and Support

The First Progress Secured Credit Cards are designed for real people working toward better credit. With options tailored to different financial needs, you can take control of your credit journey—on your terms, at your pace. Apply today and start building a stronger financial future with every swipe.