First Progress Elite: A Practical Choice for Credit Clarity

Build your credit with structure, control, and trusted global access

If you’re seeking a secure way to establish or rebuild credit, the First Progress Elite Secured Mastercard offers a no-nonsense solution with real potential. With no credit history required to apply and a manageable annual fee, it’s designed to help you move forward without added friction.

This card goes beyond basic functionality—it supports your financial recovery or fresh start with reporting to all major credit bureaus and simple online access. Whether you’re building for the first time or making a comeback, it delivers the essentials without complications.

Benefits You Can Count On

A Straightforward Way to Build Credit
Great for those new to credit or repairing a low score. Responsible use shows lenders your ability to manage money wisely.

Global Purchasing Power
Accepted anywhere Mastercard is used, this card works for everyday spending, travel, and online shopping alike.

No Score Required to Apply
Don’t let past mistakes stop your progress. This card doesn’t require a credit check to get started, removing a common roadblock.

Monthly Reporting to All Bureaus
Your activity is sent to Equifax, Experian, and TransUnion—giving you the opportunity to build a healthy credit history with each payment.

Custom Credit Limit Based on Deposit
Your initial deposit becomes your credit limit. You can start with as little as $200 and increase as your budget allows.

Security Comes Standard
Fraud prevention and account monitoring help keep your information and money safe with every purchase.

Low Annual Cost
The Elite version comes with a modest annual fee—providing excellent value for those focused on long-term credit improvement.

Full Online Access Anytime
Track your balance, make payments, and view statements right from your mobile device or desktop, 24/7.

No Hard Pull When You Apply
Applying won’t affect your credit score. There’s no hard inquiry, so you can explore your options freely.

Who Should Apply?

This card is ideal for:

• Young adults or students starting their credit journey
• Individuals rebuilding from past financial issues
• Anyone looking for a reliable secured card with minimal upfront risk

To qualify, you must:

• Be 18 years or older
• Live in the United States with a valid SSN
• Provide a refundable security deposit
• Hold valid U.S. identification

Quick Steps to Get Your Card

1. Confirm Eligibility: Make sure you meet the basic age and residency requirements.
2. Gather Documentation: Prepare your ID, banking details, and personal info.
3. Submit Your Application: Apply online through the official site or request a paper form.
4. Fund Your Deposit: Your credit line will match the deposit you provide.
5. Receive and Activate: Once approved, your new card will arrive ready to use.

What You Might Be Wondering

Why is a deposit needed?
Your deposit reduces risk for the issuer and sets your credit limit—it’s refundable and works just like a spending reserve.

Will I be charged for international use?
No. This card can be used abroad with no extra transaction fees.

How do I view my account?
You can log in at any time via desktop or mobile to manage payments, track activity, and monitor your progress.