First Progress Platinum

Credit Card

First Progress Platinum

No hard credit pull during application No rewards

Flexible credit limit based on your deposit

How to Apply You will remain on the current site

But for many people, getting access to traditional credit cards can be difficult, especially after financial setbacks or lack of history. 

The First Progress Platinum Mastercard Secured Credit Card exists for this exact reason: to give people a real opportunity to build or rebuild their credit with a card that reports monthly to all major credit bureaus.

Credit Growth with Flexibility and No Credit History Needed

One of the key advantages of the First Progress Platinum Secured Mastercard is that your application is not judged based on your credit score. That’s right—there’s no hard inquiry, and you don’t need a credit history to qualify. Instead, your approval depends on your ability to provide a refundable security deposit, which sets your credit limit.

This card gives you the power to control how much you can spend, based on what you deposit—starting at $200 and going up to $2,000 or more. And once you have it, you can use it anywhere Mastercard is accepted, whether it’s for groceries, gas, bills, or online shopping.

Every month, your responsible use is reported to Equifax, Experian, and TransUnion. This consistent reporting makes it easier to build a positive credit history over time—especially when you pay your balance in full and on time.

Pros and Cons

Pros

• No credit history or minimum score required for approval
  
• Reports monthly to all 3 major credit bureaus
  
• Low annual fee compared to many secured cards
  
• Flexible credit limit based on your deposit
  
• No hard credit pull during application
  

Cons

• Requires a refundable security deposit upfront
  
• No rewards, points, or cashback features
  
• Limited upgrade options to an unsecured card
  
• No balance transfer or cash advance perks
  
• Can take up to 10 days to receive the card after approval
  

How do I know if the First Progress Platinum Mastercard is the best credit card for me?

If your goal is to build credit from scratch or recover from a tough financial past, this card is one of the most user-friendly tools available. The lack of a credit check makes it perfect for people just starting out or for those with damaged scores who are tired of being rejected.

It’s also ideal if you’re willing to provide a security deposit in exchange for the chance to prove yourself financially. And because it reports monthly to all major bureaus, you’ll start seeing progress fairly quickly if you use it responsibly.

If you’re more interested in rewards or travel perks, this card won’t deliver in those areas—but if credit improvement is the priority, the First Progress Platinum should be a top contender.

Why do we like this card?

We like the First Progress Platinum Secured Mastercard because of its no-nonsense approach to credit building. It doesn’t try to impress with bells and whistles. Instead, it delivers exactly what many people need: an honest, accessible way to grow their credit score.

The lack of a credit check, the flexible deposit options, and the regular reporting to all major bureaus are what make this card a smart starting point for anyone focused on long-term financial health.