Building or rebuilding credit often starts with choosing a secured credit card that reports your payment activity while providing useful everyday features. The right card can also offer rewards and competitive borrowing costs as you work toward stronger credit.
The First Progress Prestige Credit Card is a secured Mastercard® that helps build or rebuild credit while offering cash back through the First Progress Plus program and the lowest variable purchase APR in the First Progress secured card lineup.
This guide explains how the First Progress Prestige Credit Card works, its key features, applicable fees, eligibility requirements, and the steps to apply online.
Is the First Progress Prestige Credit Card Right for You?
Qualifying for a traditional credit card isn’t always easy, especially if you have limited credit history or are working to rebuild your credit profile. A secured card can provide an opportunity to demonstrate responsible financial habits over time.
For some applicants, the cost of carrying a balance can be just as important as building credit. The First Progress Prestige Credit Card stands out by pairing monthly credit reporting with one of the lowest purchase APRs in the First Progress secured lineup, while also offering rewards through the First Progress Plus program.
Why Choose the First Progress Prestige Credit Card?
The First Progress Prestige Credit Card combines secured credit with features that reward responsible card use.
Reports to All 3 Major Credit Bureaus
Responsible account activity is reported monthly to Equifax®, Experian®, and TransUnion®, helping cardholders establish or rebuild their credit history.
Cash Back Rewards
Earn up to 10% cash back at participating merchants through First Progress Plus and 1% cash back on eligible payments.
No Minimum Credit Score Required
Applicants are not required to have a minimum credit score or previous credit history to apply.
Refundable Security Deposit
Open your account with a refundable security deposit starting at $200, which establishes your available credit limit.
Lowest APR in the First Progress Secured Line
The Prestige card features the lowest variable purchase APR among First Progress secured credit cards, helping reduce borrowing costs compared with other cards in the lineup.
Rates and Fees
Understanding the card’s pricing before applying can help you determine whether it fits your financial goals.
The First Progress Prestige Credit Card charges a $49 annual fee and features a 13.49% variable purchase APR. A refundable security deposit starting at $200 is required to open the account. Be sure to review the complete Rates & Fees before applying.
Eligibility Requirements
Applicants must meet First Progress’s eligibility requirements before opening an account.
To qualify, you generally must:
- Be at least 18 years old.
- Be a legal resident of the United States.
- Provide a valid Social Security Number or other accepted identification.
- Meet First Progress’s identity verification requirements.
- Fund the required refundable security deposit.
Documents You May Need
Depending on your application, you may be asked to provide:
- A government-issued photo ID.
- Your Social Security Number.
- Your current residential address and personal information.
- Payment information for your refundable security deposit.
How to Apply
Applying online takes only a few steps.
- Visit the official First Progress Prestige Credit Card application page.
- Check whether you’re pre-approved without impacting your credit score.
- Review your available offer and account terms.
- Complete the online application.
- Submit your application for review.
- If approved, fund your refundable security deposit and activate your card.
Ready to Get Started?
If you’re looking for a secured credit card that combines credit-building features with rewards and competitive borrowing costs, the First Progress Prestige Credit Card is worth considering.
Click the button below to visit the official application page and review your available offer.
