Is First Progress Select Secured Mastercard® the right fit for you?
Last Updated: 04/22/2026
SuperMoney User Recommendation Score +61
Strongly recommended18 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
17.49%(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
$39
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Number of Reviews
First Progress Select Secured Mastercard® Review
This is a secured credit cashback credit card issued by Pinnacle Bank. If you're wondering whether First Progress Select 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.
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR of 17.49%
- 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 Select Secured Mastercard®
| The Good | The Bad |
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First Progress Select Secured Mastercard® FAQ
Does First Progress Select 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 Select Secured Mastercard® have a signup bonus?
This card doesn't offer a cash signup bonus.Does First Progress Select Secured Mastercard® offer an annual loyalty bonus?
This card doesn't offer a cash loyalty bonus.What are the First Progress Select Secured Mastercard® benefits?
First Progress Select Secured Mastercard® provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for First Progress Select 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 Select Secured Mastercard® has a variable purchase APR of 17.49%. First Progress Select Secured Mastercard® does not offer balance transfers. It also has a variable cash advance APR of 23.49% .
Does First Progress Select 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 Select Secured Mastercard® does not offer balance transfers.Does First Progress Select 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 Select Secured Mastercard®?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $39.
Does First Progress Select Secured Mastercard® have a foreign transaction fee?
First Progress Select 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 Select Secured Mastercard®?
The customer service number for First Progress Select Secured Mastercard® is (402) 434-3127.
What is the support contact email for First Progress Select Secured Mastercard®?
The support contact email for First Progress Select Secured Mastercard® is CustomerService@pinnbank.com.
How do people rate the customer service and user experience of First Progress Select Secured Mastercard®?
Overall, First Progress Select Secured Mastercard® is strongly recommended based on community reviews that rate customer service and user experience.
Does First Progress Select Secured Mastercard® report your account activity to credit bureaus?
Yes, First Progress Select 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 Select 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 Select Secured Mastercard®
- Visit the website of First Progress Select 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 Select 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.
View First Progress Select 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
13.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 640
300
850
Annual Fee
$49
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 +61, or 4.2 on a 5-point rating scale.
+61
-1000+100
No one recommends
Everyone recommends
First Progress Select Secured Mastercard® Community Reviews
Would you recommend First Progress Select Secured Mastercard® to your friends?
Neha S.
Jul 3, 2023
May or may not recommend
The card's secured nature allows me to set my own credit limit by making a refundable deposit. Regular and responsible use of the card helps improve my credit score over time. I also benefit from worldwide acceptance of Mastercard and the convenience of online account management.
RD
Robert D.
Oct 11, 2022
May or may not recommend
This company takes advantage of people trying to build or rebuild credit. I opened a secured credit card account in order to rebuild my credit. The card rarely works due to glitches that need to be fixed by first progress customer service. Even after the glitch is “fixed” the card usually still didn’t work, requiring repeated calls and hassle. Because I could rarely use the card most of the payments ...Show More
MA
Muhammad A.
Jul 25, 2022
May or may not recommend
Great Card to establish initial credit. Easy to us and pay.
MH
Misty H.
Aug 28, 2021
May or may not recommend
I was not approved and they say that if you have poor credit they'll approve you.
Andrew H.
Aug 12, 2021
May or may not recommend
Great for people with poor credit as there is no credit history required to open an account. Lower APR than many similar cards, so you can carry a balance too.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I highly recommend getting this card. It's a good card If you have no credit or ?bad credit. Because of its identity theft protection it makes me feel safe, which is very important for me. You don't even need a credit history, so it's great if you are looking to get a card for the first time.
Youram J.
May 8, 2021
May or may not recommend
I'm so lucky to have platinum MasterCard. I would highly recommend you guys to upgrade your card before doing anything else!!! It doesn't require any credit score it improves your credit. I am very satisfied with its high security and it never disappoints me when having any financial issues.
RH
Rana H.
Jan 21, 2021
May or may not recommend
I do not recommend this. Firstly, you need to make a deposit between $200-$2000, which then becomes your credit limit. I found that absurd because I had the money to invest, but knew I would be making much more down the line. They don't offer a clear upgrade path to a "normal" unsecured product from First Progress, so I'm not sure why the limitations. The worst part is you owe ...Show More
RG
Rupok G.
Dec 30, 2020
May or may not recommend
While I was researching about First Progress credit cards , there were mixed reviews. But I applied for it anyway and trust me I am not disappointed at all. The process was slow but it was interactive. I had ruined my credit score badly in the past but this card helped me increase my credit score super fast . A very good card indeed.
RO
Ronke O.
Dec 10, 2020
May or may not recommend
The fact that First Progress is FDIC approved and you do not need a high credit score makes it a go-to for me at any time. I will definitely recommend the card for anyone who prioritizes security over any other thing
Mady H.
Dec 10, 2020
May or may not recommend
I have been using this credit card for roughly two years now, and would highly recommend it to anyone looking for a card that works to improve bad credit. I love that you do not need a credit history or minimum credit score to apply for the card. it's a great option for anyone looking to improve their financial situation.
DC
Dianne C.
Dec 3, 2020
May or may not recommend
Great Card to establish initial credit. Easy to us and pay.
The E.
Nov 23, 2020
May or may not recommend
First Progress Platinum Credit Card has been very helpful to me since I started using their service. I had a poor rating at the time, and they still helped me out when I applied for one. When my rating began to improve, I started getting rewards for my purchases like cashback rewards and high ARPs which I absolutely enjoyed.
I would highly recommend this to anyone who wants to apply ...Show More
Esther O.
Oct 29, 2020
May or may not recommend
First Progress Platinum Master Card considers people with poor or fair rating, and it was a life saver during a financial crisis I suffered sometime ago. Even if your rating is poor, you can apply for one; however, do not expect any reward, cash backs, or rewards on every purchase. First Progress does not even give sign up bonuses. It's great if you need an emergency card.
I recommend for ...Show More
EO
Esther O.
Oct 6, 2020
May or may not recommend
I love First progress platinum card because it considers people like me with little or no credit score, I did the application online and it was clear and easy to use, they give high ARPs and that's a benefit I look forward too, lots of amazing offers on purchase and issue of credit are attractive and the fact that there are no credit history and it requires minimum score for ...Show More
DO
David O.
Sep 11, 2020
May or may not recommend
i strongly recommend first progress platinum credit card for every credit card user. there are a lot of benefit the user can enjoy out of which i also enjoyed. they give amazing offers on purchase made on the credit card everyday. there are also other high rewards which includes high ARPs. i strongly recommend this to every credit card users. it is very easy to use and operate for novice
MW
Monty W.
Aug 15, 2020
May or may not recommend
Don't know if I got the credit yet on card
KS
Katherine S.
Aug 8, 2020
May or may not recommend
I love this card! I recently went on a vacation overseas and I used this credit card and had absolutely no issues with it. My purchases turned into lots of cash back rewards, which I really enjoy. I would definitely recommend this card to anyone looking to apply for a credit card. It's great, you won't regret it! I use my cash back rewards for all kinds of things!
Showing 18 of 18 reviews
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