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First Progress Select Secured Mastercard®
First Progress Select Secured Mastercard® Review
The First Progress Select Secured Mastercard® is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
First Progress Select Secured Mastercard®
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Apply Now
on First Progress's secure site
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First Progress Select Secured Mastercard®
SIGN-UP BONUS
N/A
REWARDS RATE
Up To 10% Cash Back on everyday shopping, plus another 1% back on payments
Improve Your Credit Score
Free Credit Bureau Reporting
Rewards Rate
Up To 10% Cash Back on everyday shopping, plus another 1% back on payments
Regular Purchase APR
17.49% (V)
Annual Fee
$39
Card Brand
Mastercard®
Recommended Credit Score
Limited / PoorHighlights
- Click APPLY NOW to apply online.
- Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Apply with no impact to your credit!*
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- 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.
- *See Important Disclosures for complete offer details
Additional Info
Foreign Transaction Fee
N/A
Balance Transfer Fee
N/A
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
From the LendingTree editorial team, updated on Jan 28, 2026
This card is great for rebuilding credit because it works as a full-feature Mastercard with a credit line based on your security deposit, not your credit score. This card was created with consumers who are building credit in mind. Credit card records will be reported to the major credit bureaus each month.
Some great perks to this card include Up To 10% Cash Back on everyday shopping, plus another 1% back on payments, automatic credit reporting, and 24/7 online account access. Some fees that come with this card include the annual fee of $39.
Applying is easy and applicants receive instant approval online, by phone or in person.
The Good
- Card holders will enjoy a 25 day grace period before having to pay interest on purchases.
The Not So Good
- This card is somewhat limited in scope, but if your goal is to boost your credit we think it can be valuable.
The Bottom Line
The First Progress Select Secured Mastercard® is an average secured card that can be used anywhere Mastercard is accepted and reports to the credit bureaus. It doesn’t offer much for additional perks and features.
Editorial Note: This content is not provided by First Progress. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by First Progress.
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Credit Line
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Regular Purchase APR
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Credit Line
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Fraud Liability
$0 fraud liability for unauthorized charges.
Worldwide Acceptance
Use it anywhere Mastercard is accepted.
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Rewards Rate
2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
APRs
10.99% Intro APR for 6 months on balance transfers, then 26.49% Variable APR
Rates and Fees
No annual fee, no late fee on your first late payment. After that, late fee up to $41 applies. No penalty APR.*
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Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.