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First Progress Platinum Select Mastercard® Secured Credit Card

in Personal Credit Cards from Synovus Bank

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First Progress Platinum Select Mastercard® Secured Credit Card

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in Personal Credit Cards from Synovus Bank

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Highlights
Highlights
Balance Transfer APR  (Variable APR) N/A
Credit Score Range 300 - 640
Annual Fee $39
Purchase APR  (Variable APR) 13.99%

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 up to 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. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
The Good The Bad
  • Lower than average purchase APRs.
  • 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 rewards.

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
  • ID Theft Protection
  • 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% .

Does First Progress Platinum Select Mastercard® Secured Credit Card have an introductory APR offer on balance transfers??

No, First Progress Platinum Select Mastercard® Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does First Progress Platinum Select Mastercard® Secured Credit Card have an introductory APR offer on new purchases??

First Progress Platinum Select Mastercard® Secured Credit Card does not offer an introductory rate on new purchases.

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

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 $28
Late Payment Fee up to $39

Does First Progress Platinum Select Mastercard® Secured Credit Card have a foreign transaction fee?

First Progress Platinum Select Mastercard® Secured Credit Card charges a foreign transaction fee of 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 a foreign transaction fee.

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

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 can help improve your credit score.

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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  Available in 46 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wyoming

Feature Breakdown

Minimum Interest Charge $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 25
Foreign Currency Transaction Fee 3%
Annual Fee $39
Returned Payment Fee Up to $28
Late Fee Amount Up to $39
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Card Type
  • Bad Credit
  • Secured
Card Network
  • Mastercard
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Rewards Type No Rewards
Cash Advance APR (Variable APR) 19.99%
Purchase APR (Variable APR) 13.99%
Balance Computation daily balance
Credit Limit $2,000

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