The First Progress Platinum Elite Mastercard® Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs.
Last Updated: 07/28/2025
Not Currently Available
The First Progress Platinum Elite Mastercard® Secured Credit Card
Claimed
from Synovus Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -29
Mostly not recommended17 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Variable APR)
25.24%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 08/01/2023)
Credit Score Range
300 - 640
Annual Fee
$29
Number of Reviews
The First Progress Platinum Elite Mastercard® Secured Credit Card Review
The First Progress Platinum Elite Mastercard® Secured Credit Card is no longer available to new customers on SuperMoney. Click here to compare and quickly find the best options for your needs. |
This is a secured credit card issued by Synovus Bank. If you're wondering whether The First Progress Platinum Elite Mastercard® Secured Credit Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 25.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Accepts cosigners. Synovus Bank is one of the few credit card issuers that allows applicants to include a cosigner. Adding a cosigner can really improve your approval chances if your credit is not great.
- Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of The First Progress Platinum Elite Mastercard® Secured Credit Card
| The Good | The Bad |
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The First Progress Platinum Elite Mastercard® Secured Credit Card FAQ
Does The First Progress Platinum Elite Mastercard® Secured Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
How do people rate the customer service and user experience of The First Progress Platinum Elite Mastercard® Secured Credit Card?
Overall, The First Progress Platinum Elite Mastercard® Secured Credit Card is mostly not recommended based on community reviews that rate customer service and user experience.
Does The First Progress Platinum Elite Mastercard® Secured Credit Card report your account activity to credit bureaus?
Yes, The First Progress Platinum Elite Mastercard® Secured Credit Card reports to the following credit bureaus:
- Equifax
- Experian
- TransUnion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help build your credit.
Does Synovus Bank perform a hard credit pull?
Yes, The First Progress Platinum Elite Mastercard® Secured Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for The First Progress Platinum Elite Mastercard® Secured Credit Card
- Visit the website of The First Progress Platinum Elite Mastercard® Secured Credit Card.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
All Day
Monday
All Day
Tuesday
All Day
Wednesday
All Day
Thursday
All Day
Friday
All Day
Saturday
All Day
Other Services by Synovus Bank
Other Credit Cards from Synovus Bank
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
10.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$49
Rating not yet determined
Purchase APR
18.24%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 850
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
14.49% - 25.49%
Disclaimer popup with additional information
Balance Transfer APR
14.49% - 25.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0
Rating not yet determined
Purchase APR
16.49% - 27.49%
Disclaimer popup with additional information
Balance Transfer APR
16.49% - 27.49%
Disclaimer popup with additional information
Credit Score Range
Starting at 601
Annual Fee
$0 - $50
Rating not yet determined
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 850
300
850
Annual Fee
$48 - $75
Purchase APR
35.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 650
300
850
Annual Fee
$48 - $75
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -29, or 2.4 on a 5-point rating scale.
-29
-1000+100
No one recommends
Everyone recommends
The First Progress Platinum Elite Mastercard® Secured Credit Card Community Reviews
Would you recommend The First Progress Platinum Elite Mastercard® Secured Credit Card to your friends?
Nikita
Aug 8, 2023
May or may not recommend
With a refundable security deposit determining the credit limit, this card offers a controlled spending option. easy to use.
Theo S.
Mar 18, 2022
May or may not recommend
I had this credit card as to help me with my credit buildup at the time.
It had no other benefits to me other than improving my credit score at the time. I found its dependability to be charming as I used it more of last resort than a constant back and forth with withdraws and deposits.
My reason for it to be unsure rather than a straight "yes" or "no" is ...Show More
VD
Vic D.
Feb 25, 2021
May or may not recommend
I'm a fan of building credit, but the interest on this card screams buyer beware. It's just not worth it. The interest is just too high. Once you get behind it'll be very difficult to get back ahead.
JB
Jake B.
Dec 1, 2020
May or may not recommend
It depends on your situation but for the most part I would not recommend this card. There are high fees and a high APR which can be met with very competitive rates from companies like chase, capital one, and Visa. However, there are a few positives for this card depending of the positions your'e in. If you are young or trying to recover your credit from fraud or a string ...Show More
AC
Ashley C.
Nov 4, 2020
May or may not recommend
I would definitely not recommend any First Progress Credit Cards. I applied for one to help build my credit because their website tells you that they accept fair or even bad credit, they DO NOT. When I applied they told me that I didn’t qualify because my credit was too low, when it wasn’t. I have good average credit. Most credit cards have an actual reason for denying your application, ...Show More
BR
Blanca R.
Feb 8, 2019
May or may not recommend
This was my first time to be able to get a credit card in my lifetime . I have never had credit card tried all of my life and I now get a chance to get one
U
Anonymous
May 2, 2015
May or may not recommend
I just really hate the fact that I have to pay off a credit card every month in order to not get charged interest on my own money, but it looks like this is the only way for me to get a card and rebuild my bad credit. So far it has been going okay, although the website isn't too good.
U
Anonymous
May 2, 2015
May or may not recommend
This card will work out well for you to rebuild your credit, providing that you pay your bill way ahead of time! I would even say that it would be good to pay it as soon as you use it. I had a little diffculty originally when I went to pay it and it took forever to get posted. Almost was late!
U
Anonymous
May 2, 2015
May or may not recommend
The maximum credit line with this card is $2,000, which I can understand because people who have bad credit are likely to get a little carried away (present company included!). I like the fact that this card is keeping me on the straight and narrow while I rebuild my credit.
U
Anonymous
May 2, 2015
May or may not recommend
Credit repair is a lot like dieting. It is so time consuming and hard compared to spending! I got this card to help to snap myself into shape. I figured that the relatively high interest rate would make it so I wouldn't carry a balance. It's working so far, and according to my three credit bureau reports I get from this it is working, little by little, pound by pound!
U
Anonymous
May 2, 2015
May or may not recommend
I have credit that is pretty bad, so I figured this card could help me dig out of it all. Turns out I was right. It is helping me to do that. The three credit bureau report I get from them also helps me to verify that. I wish that it was a system, though, that allowed you to switch from secured to unsecured after a time once you had ...Show More
U
Anonymous
May 1, 2015
May or may not recommend
Totally irks me that I have to get a secured card and essentially borrow money from myself and pay interest on top of it! But since my credit dipped so low, that's the only thing that it looks like I can do to pull it up. I'm gritting my teeth and going with it, and this company seems to be doing a fair job of facilitating the process.
U
Anonymous
May 1, 2015
May or may not recommend
The concept is there, but the follow through and the organization of this company is all over the place. The site doesn't appear to be updated half of the time, and it's so hard to make a payment and make it when you're supposed to. On a positive note, my credit score has gone up. So if I can figure out how to pay the thing off at the right ...Show More
U
Anonymous
May 1, 2015
May or may not recommend
I chose this card because it reports to the three credit bureaus. If you're having trouble with low credit scores, that 3-way reporting is something you DEFINITELY want. Don't waste your time with a secured card that is only reporting to one credit bureau.
U
Anonymous
May 1, 2015
May or may not recommend
Losing a job and a husband within a few months of one another put my credit rating in the dumpster. I'm now gainfully employed and digging my way out of debt and this card is helping with that. I got a CL of $1500 and am using up to 60 perecent of the CL each month. I've seen my credit score start to creep up, so there is hope!
U
Anonymous
May 1, 2015
May or may not recommend
I know I'm not rating on the website, but seriously? This isn't the dark ages when it comes to websites. The site needs a ton of updating, which would probably help when you're trying to navigate how this secured credit card stuff works. Like many who ended up going the secured route, I once had unsecured credit cards, but life happened. I'm only using up to 40 percent of the ...Show More
foxs B.
Mar 28, 2014
May or may not recommend
This is a great company to rebuild a solid credit history. I admit their website could use updating, especially when it comes to making online payments. Every time I've contacted them, they are very friendly. I've had this card for 2 years now with a 2,000. Cl. Just make sure you pay off the entire balance 10 days before due date, and watch your credit score rocket.
Showing 17 of 17 reviews
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