Is First Progress Prestige Secured Mastercard® the right fit for you?
Last Updated: 04/22/2026
SuperMoney User Recommendation Score +76
Strongly recommended17 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
13.49%(Verified 04/22/2026)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
N/A(Verified 04/22/2026)
Credit Score Range
300 - 640
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Annual Fee
$49
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Number of Reviews
First Progress Prestige Secured Mastercard® Review
This is a secured credit cashback credit card issued by Pinnacle Bank. If you're wondering whether First Progress Prestige Secured Mastercard® is the right card for you, read on.
Key Takeaways
- Generous reward rate. You can get a rewards rate of up to 10x.
- Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Minimum refundable deposit of $200.00 up to $2,000.00*
- APRs: First Progress Prestige Secured Mastercard® has a variable regular purchase APR of 13.49%
- 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.
- 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 First Progress Prestige Secured Mastercard®
| The Good | The Bad |
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First Progress Prestige Secured Mastercard® FAQ
Does First Progress Prestige Secured Mastercard® have a cash back or rewards program?
This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Every Purchase | 1 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Select Merchants | Up to 10 % cash back | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does First Progress Prestige Secured Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Progress Prestige Secured Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Progress Prestige Secured Mastercard® benefits?
First Progress Prestige Secured Mastercard® provides the following benefits:
- Auto Rental Collision Damage Waiver
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Progress Prestige Secured Mastercard®?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.First Progress Prestige Secured Mastercard® has a variable purchase APR of 13.49%. First Progress Prestige Secured Mastercard® does not offer balance transfers. It also has a variable cash advance APR of 22.49% .
Does First Progress Prestige Secured Mastercard® have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. First Progress Prestige Secured Mastercard® does not offer balance transfers.Does First Progress Prestige Secured Mastercard® have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for First Progress Prestige Secured Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $49 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $49.
Does First Progress Prestige Secured Mastercard® have a foreign transaction fee?
First Progress Prestige Secured Mastercard® charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for First Progress Prestige Secured Mastercard®?
The customer service number for First Progress Prestige Secured Mastercard® is (402) 434-3127.
What is the support contact email for First Progress Prestige Secured Mastercard®?
The support contact email for First Progress Prestige Secured Mastercard® is CustomerService@pinnbank.com.
How do people rate the customer service and user experience of First Progress Prestige Secured Mastercard®?
Overall, First Progress Prestige Secured Mastercard® is strongly recommended based on community reviews that rate customer service and user experience.
Does First Progress Prestige Secured Mastercard® report your account activity to credit bureaus?
Yes, First Progress Prestige Secured Mastercard® 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 Pinnacle Bank perform a hard credit pull?
Yes, First Progress Prestige Secured Mastercard® 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 First Progress Prestige Secured Mastercard®
- Visit the website of First Progress Prestige Secured Mastercard®.
- 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.
First Progress Prestige Secured Mastercard® Disclosure: ^^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 (https://www.firstprogress.com/documents/disclosures/FirstProgress/Important_Disclosures_Prestige.pdf) for complete offer details.
View First Progress Prestige Secured Mastercard®'s published terms & conditions
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
Closed
Monday
8:00AM - 5:00PM
Tuesday
8:00AM - 5:00PM
Wednesday
8:00AM - 5:00PM
Thursday
8:00AM - 5:00PM
Friday
8:00AM - 5:00PM
Saturday
8:00AM - 12:00PM
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Purchase APR
17.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 640
300
850
Annual Fee
$39
Rating not yet determined
Purchase APR
15.99%
Disclaimer popup with additional information
Balance Transfer APR
15.99%
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Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
10.99%
Disclaimer popup with additional information
Balance Transfer APR
10.99%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
19.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24%
Disclaimer popup with additional information
Credit Score Range
300 - 640
300
850
Annual Fee
$29
Rating not yet determined
Purchase APR
27.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 550
300
850
Annual Fee
$0
SuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +76, or 4.5 on a 5-point rating scale.
+76
-1000+100
No one recommends
Everyone recommends
First Progress Prestige Secured Mastercard® Community Reviews
Would you recommend First Progress Prestige Secured Mastercard® to your friends?
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
its easily in used and fee is low so i recommended it.
CR
Christine R.
May 7, 2022
May or may not recommend
My sister has this card and loves it. They allowed her to get a higher credit limit after just 6 months of on-time payments. Usually with a secured card this isn't possible. As long as she pays on time her fees are relatively low. She also likes that she can use it out of the country when she travels.
SS
Solijah S.
Apr 14, 2022
May or may not recommend
I currently have this card and wish I knew better. Does not offer any perks or benefits. I would only recommend this card if it is your first card to build credit and for small purchases. I would be great to automatically send payment but instead have to schedule a week out for payment to be sent from bank account.
RA
Rachael A.
Mar 28, 2022
May or may not recommend
This credit card is definitely a step in the right direction if you have little to no credit score. It has great identity theft protection. They offer low APR and definitely less than most fees.
TB
Tabbitha B.
Mar 4, 2022
May or may not recommend
A First Progress credit card is the first step in the right direction in building your credit score! Especially, if you have little to NO Credit!
Personally, the security deposit isn’t too high! Neither are the annual percentage rates.
Sarah D.
Aug 20, 2021
May or may not recommend
Despite this being a secured card where you put down a deposit to use it, First Progress denied me getting one. I am in the process of rebuilding my credit after making some poor decisions in my late teens. I am 25...they denied me twice. Not worth it. Don't waste your time!
Andrew H.
Aug 12, 2021
May or may not recommend
A great card for anyone looking to build/rebuild their credit.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I would highly recommend you to get this card. I've told everyone I know to get this card because it's excellent identity theft protection and the fact that they don't ask for a credit score. You could get it in no time with no effore and still get all its great benefits.
A P.
Jul 22, 2021
May or may not recommend
If you are trying to rebuild your credit or just build credit in general this card can be a great asset. They offer a low APR and smaller than most annual fee. I will continue to recommend to others and continue to use to build my credit score.
Oriana F.
Jun 23, 2021
May or may not recommend
This card is a secured credit card which can help customers build credit without worrying about bills getting out of hand. This card is a very good financial decision to raise and stabilize credit with the opportunity to learn how to use a credit card. Application process is simple with a high acceptance rate. Low annual fee plus a grace period for interest is ideal.
SZ
Sophia Z.
Jun 16, 2021
May or may not recommend
The application process was easy to complete. I recommend if you are looking for a credit card!
Shane T.
Jun 9, 2021
May or may not recommend
First Progress Platinum Prestige master card Secured credit card.
Is a secured credit cad issued by Synovus Bank.
The card does have some highlights they are,
1.- community rating strongly recommended
2.- Purchase APR (variable APR) 9.9%
3.- balance transfer APR (variable APR) N/A
4.- credit score range 300 - 640
5.- annual fee $49.00
Here are some key take a ways
Key Take a ways.
1.- Competitive APRS
2.- charges foreign transaction fees
3.- secured card
4.- poor credit ...Show More
AA
Adam A.
Jun 3, 2021
May or may not recommend
My sister got this credit card when she had no credit score and it really helper her build her credit score, this card is great fr people that are trying to increase their credit score.
RC
Robert C.
May 6, 2021
May or may not recommend
Highly secured with a cost effective annual fee. using this card gave me seamless experience shopping process. in fact, you don't have to border about minimum credit score and their is no credit history required. very cool stuff . Keep up the good work
TB
Taren B.
Jan 11, 2021
May or may not recommend
This card was a lifeline after a bad break up that left my credit score in ruins (think low, then lower it). I honestly did not expect to get approved but the application process was simple and easy and I heard back in no time! The low APR is pretty helpful, too!
TS
Tyrone S.
Nov 30, 2020
May or may not recommend
I haven't received the card yet.
When i receive your card then I'll leave a remark.
EW
Emily W.
Nov 24, 2020
May or may not recommend
This is a good card for people like me with no credit who had to build credit from scratch. The secured deposit I made wasn't expensive, so I was able to get the card without much hassle. If there's one thing I would change about the card, it is the annual $49 fee. I know that that fee is lower than some other annual fees, but I still find it ...Show More
Showing 17 of 17 reviews
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