First Progress Platinum Select Mastercard® Secured Credit Card Review

First Progress Platinum Select Mastercard® Secured Credit Card is a secured credit card credit card issued by Synovus Bank. If you're wondering whether First Progress Platinum Select Mastercard® Secured Credit Card is the right card for you, read on. This is everything you need to know to make a good choice.

• Competitive APRs. First Progress Platinum Select Mastercard® Secured Credit Card has a variable purchase APR of 13.99%
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
• Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.

The Good	The Bad
Lower than average purchase APRs. Identity Theft Protection. Credit history not required. Considers applicants with fair or poor credit. First Progress Platinum Select Mastercard® Secured Credit Card reports to multiple credit bureaus.	Charges an annual fee of $39 Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Does not include many credit card benefits.

Is there a First Progress Platinum Select Mastercard® Secured Credit Card cash back or rewards program?

No, First Progress Platinum Select Mastercard® Secured Credit Card does not offer a rewards program.

What are the First Progress Platinum Select Mastercard® Secured Credit Card benefits?

First Progress Platinum Select Mastercard® Secured Credit Card provides the following benefits:

• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for First Progress Platinum Select Mastercard® Secured Credit Card?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Progress Platinum Select Mastercard® Secured Credit Card has lower than average purchase APRs.

First Progress Platinum Select Mastercard® Secured Credit Card has a variable purchase APR of 13.99%. It also has a variable cash advance APR of 19.99% .

What are the fees for First Progress Platinum Select Mastercard® Secured Credit Card?

The following fees apply to First Progress Platinum Select Mastercard® Secured Credit Card:

• There is no overlimit fee

First Progress Platinum Select Mastercard® Secured Credit Card Fees

Fees	Amount
Annual Fee	$39
Overlimit Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $29
Late Payment Fee	up to $40

Does First Progress Platinum Select Mastercard® Secured Credit Card report your account activity to credit bureaus?

Yes, First Progress Platinum Select Mastercard® Secured Credit Card reports your account activity to the following credit reporting agencies:

• 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 improve your credit.

How to apply for First Progress Platinum Select Mastercard® Secured Credit Card

• Visit the First Progress Platinum Select Mastercard® Secured Credit Card website.
• 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.